Citibank

Citibank, a division of Citigroup Inc., stands as one of the world's largest and most experienced financial institutions, with a history dating back to 1812. Over its more than 200-year history, Citi has built a global presence spanning approximately 160 countries and jurisdictions, developing deep expertise in financing businesses of all sizes—from small enterprises to multinational corporations. This extensive international footprint gives Citibank a unique perspective on global markets and trade flows, enabling them to offer business clients insights and opportunities that many competing banks cannot match.

Citibank's business funding solutions encompass a comprehensive range of options designed to meet diverse business needs at various stages of growth. Their commercial loan offerings include term loans for major investments, equipment financing, commercial real estate loans, and flexible lines of credit for managing cash flow and working capital. What distinguishes Citibank's approach to business lending is their emphasis on building long-term banking relationships, where loan products are part of a broader suite of financial services that can include cash management, treasury services, international banking, and wealth management, creating a holistic approach to supporting business clients.

While Citibank is particularly recognized for serving mid-sized and larger businesses with complex financial needs, they also offer tailored solutions for established small businesses through their Citibank Small Business division. Their lending approach tends to be more conservative than some alternative lenders, with rigorous underwriting standards that typically require strong credit profiles, established business history, and solid financials. This can make their loans more challenging to qualify for compared to some online lenders, but it also means they generally offer more competitive interest rates and terms for businesses that meet their criteria. For business owners seeking a financial partner with global capabilities, extensive resources, and relationship-based service, Citibank offers institutional strength combined with sophisticated financing solutions that can scale as businesses grow.