Credit and Loan Solutions

Fed Funds Line

Establish a Fed Funds Line and purchase funds by simply drawing your DDA to a negative balance with Zions Bank’s automated process.

Letters of Credit

Under approved credit lines to your bank, Zions Bank guarantees performance (a “confirmation”) of your letters of credit, domestic or international. Zions Bank can also directly issue a letter of credit on behalf of your bank. Competitive rates help you retain business and offer a new product line through a streamlined process.

Factoring

As an alternative to conventional financing, Business Credit Services offer a source of cash that ensures available funds and flexibility for growing businesses. From a start up to a financially sound company with seasonal needs, Zions Bank provides funds to assist your client companies with cash flow needs based on the creditworthiness of their commercial accounts receivable.

Loan Participations

Zions Bank participates, up or downstream, through a less-than-100% sale or pari passu arrangement with your bank. Zions Bank is both FAS 140 and Regulation F compliant, and offers flexible terms and rates. Capabilities include commercial and industrial loan and owner-occupied commercial properties with specific expertise in several industrial and asset classes, including transportation (air, ground); health care; high net-worth individuals’ lines of credit; retail and service industries.

Loans for Directors, Officers, and Principal Shareholders

Zions Bank provides secured and unsecured short-term and long-term credit facilities or participates with your bank to qualify individuals or businesses. Officers and Directors can lend to the bank as proceeds or for their personnel or other business needs. Repayment sources can include bank earnings, borrower’s liquid assets or outside cash flow. Where Regulation O may restrict borrowing from your bank or if you prefer the customer borrow from a third party, Zions Bank offers an excellent source solution.

Revolving Lines of Credit

Revolving lines of credit enable you or your customers to pay off or borrow from your approved limit on a short term basis.