Corporate Banking

Comprehensive Banking by Experienced Professionals

Regions' Corporate Bank is comprised of experienced banking and capital markets professionals who are able to leverage the bank's substantial capabilities to produce creative lending, product and investment banking solutions. These solutions include traditional lending products and capital markets solutions such as syndicated loans and fixed income debt placements. Working in collaboration with skilled product partners and bankers in select industry verticals, Regions Corporate Bankers are focused on leveraging the resources of a comprehensive banking platform for our clients and, in the process, building impactful business relationships.

Financing Solutions

Working Capital & Term Finance

Regions' Corporate Bankers can help provide the working capital funds you need to manage and operate your business enterprise and the term financing to address its growth opportunities. We offer secured and unsecured financing solutions from traditional revolving credit lines to complex, customized term financing alternatives, either on a sole bank basis or a syndicated basis for larger needs.

Leveraged & Acquisition

Regions' Corporate Bankers are experienced in helping you with time-sensitive leveraged, corporate and sponsor acquisition financing opportunities. They are supported by an infrastructure of professionals in investment banking and capital markets that provides access to senior debt solutions and alternative forms of debt and equity capital.

Equipment & Aircraft Finance

Regions Equipment Finance Corporation is among the nation's largest domestic bank-owned equipment finance companies. Our dedicated equipment finance specialists collaborate to draw upon a comprehensive range of products with flexible terms tailored to your specific financing situation. We aim to help your business thrive throughout credit cycles. Our collaborative team approach emphasizes our client's long-term objectives and continued success.

  • Aircraft Finance
  • Equipment Finance
  • True Tax Leases
  • TRAC Leases
  • Interim Equipment Funding Facilities

Asset-Based Lending

Applying experience in structuring asset-based loan facilities, Regions Business Capital delivers cost-effective financing and operating flexibility to companies across the credit spectrum. Asset-based lending structures, supported by margined advances against business assets such as Accounts Receivable and Inventory, allow you to unlock the value of your company's assets to maximize borrowing capacity, support growth and achieve your corporate goals.

Trade Receivable Securitization

Regions provides trade receivable securitization commitments as a cost-effective source of alternative liquidity for companies across a variety of industries. These companies find that they can often gain flexibility and decrease borrowing costs by diversifying their financing sources with the addition of a trade receivable securitization.

Supply Chain Finance

The Regions Supply Chain Finance solution is a buyer-led initiative that facilitates favorable financing for key suppliers and improved trade terms for the buyer. The buyer (typically an investment or near investment grade corporation) provides its key suppliers with an opportunity to sell confirmed accounts receivable to Regions. The buyer benefits from better (longer) trade accounts payable terms from key suppliers, and the supplier receives cash immediately for selling the accounts receivable. An imbedded assumption in many Supply Chain Finance programs is that the suppliers have a higher cost of borrowing than the buyer. The suppliers therefore benefit from a lower cost of capital by selling accounts receivable at a discount rate based on the buyer’s credit profile, instead of borrowing funds from their own bank.

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Treasury Management Solutions

Regions Treasury Management solutions are aimed at optimizing our clients’ cash collection cycles. Our clients benefit by accelerating receipt of funds, effecting safe and efficient payment of monies owed and leveraging technology to ensure access to associated information regarding the status and timing of these activities.

Corporate Collection

Our corporate collection products and services simplify the management of your accounts receivable and efficiently convert collections into available funds to support your corporate cash flow requirements.

Corporate Payment

Our comprehensive corporate payment products and services provide opportunities to reduce expenses while streamlining and simplifying the payables process.

Online Services & Information Reporting

Our information reporting services allow you to view time-critical information as well as conduct transactions.

Regions Commercial Card & Expense Management

Our Commercial Card product allows for improved control over spending, reduced inefficiencies and valuable organizational insights.

Fraud Prevention Tools

Our fraud mitigation services help to protect your organization’s financial integrity and reduce risk exposures.

Liquidity Management

Our Liquidity Management solutions can help to optimize the management of operating cash, working capital and investments.

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Financial Risk Management Solutions

The Regions Financial Risk Management team has over 100 years of collective risk management experience across numerous industries and client profiles. Our financial risk management practice is focused on understanding the business of the bank’s client base and providing tailored solutions to address the specific objectives and exposures in any market condition.

Interest Rate Derivatives

We offer a full product suite including interest rate swaps, options, options-enhanced structures, and pre-issuance hedging.

Commodity Derivatives

We offer over-the-counter swaps, options and other structured commodity hedging products. Regions’ commodity hedging platform is active in 26 indices and includes most crude, fuel, natural gas, natural gas liquids, and agricultural indices.

Foreign Exchange Services

Regions Bank has an experienced foreign exchange trading desk and offers a full range of foreign exchange products and services to help you deal in a global economy. Our capabilities include Foreign Exchange hedging and risk management solutions, multi-currency deposit accounts, and a web-based FX trading/settlement system (RegionsFX Online)

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Global Trade Finance Solutions

Regions has been a provider of international banking services since 1921. Averaging over 20 years of experience, Regions’ Global Trade Finance team brings our clients solutions to facilitate complex trade transactions. Our Global Trade Finance team is strategically located throughout the Regions footprint, bringing our relationship managers closer to our clients. The entirety of Regions’ Global Trade Services operations teams are located in the United States, bringing our clients timely, personalized and top-of-class service.

Trade Financing

Regions is one of the nation’s most established Export-Import Bank (EXIM) lenders, routinely ranking among the top 10 lenders in the U.S. under multiple EXIM export finance programs. Additionally, Regions delivers meaningful structured trade and working capital solutions to our clients utilizing private sector trade credit insurance and other government guaranteed export lending programs.

Standby Letters of Credit

As one of the country's largest issuers of credit, Regions Global Trade Finance delivers timely, knowledgeable solutions to our clients whether the Letter of Credit issuance need is international or domestic in nature. Regions Bank carries investment-grade rating status from the three major ratings agencies resulting in wide acceptance of our Standby Letters of Credit across the market.

Trade Letters of Credit and Documentary Collections

Regions is a major Trade Letter of Credit and Documentary Collection provider. Our U.S.-based operations team brings unparalleled service levels to our clients, including client-dedicated trade operations professionals and service standards committed to expeditious processing of Letter of Credit collection transactions. Our experienced staff is complemented by our worldwide network of over 1,500 banks and the processing and reporting functionality of our online trade services system, Express Trade.

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Institutional Services Solutions

Institutional Services provides investment, administrative and trustee solutions for Regions corporate clients. It is our goal to provide unparalleled service in delivering fiduciary, investment consulting, investment management, retirement, corporate trust, escrow and endowment and foundations services.

Corporate Trust Services

Regions provides trust and agency services for both corporate and municipal clients. Our team has experience with all types of bond issues, including revenue bonds, general obligations bonds, refunding bonds, and financings with fixed or variable interest rates, providing you with a resource for trusted administrative capabilities.

Retirement & Fiduciary Services

Regions provides retirement plan solutions to organizations to attract, retain and motivate employees. By offering comprehensive retirement plan designs, open architecture for investments and effective education, we can help companies concentrate on running their business. We work with each client to design a practical, cost-effective retirement plan to meet the needs of the company and its employees.

Escrow Services

Regions has a dedicated Escrow Services division with the experience, expertise, and attention to detail to help your business execute transactions seamlessly. In addition, we offer fast turnaround times, often within 24 hours.

Investments & Asset Management

Regions tailors its strategies toward meeting each client's unique investment goals and objectives. We emphasize our definable, disciplined process of asset allocation, with the goal of achieving long-term financial success. As a trusted fiduciary, Regions offers a team that will provide our clients with the asset allocation and the investment selections needed to help them reach their goals.

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Commercial Real Estate Permanent Lending and Advisory Services

Regions maintains a dedicated commercial real estate financing platform that specializes in permanent lending products, loan syndication and low-income housing tax credit (LIHTC) syndication. Our mission is to provide the highest quality service and advice delivered by talented, relationship-oriented bankers. This means that your business is managed by our dedicated "A Team" – every time. Using our broad capital markets experience and depth of resources, our product experts offer customized financing solutions to a broad array of clients including private investors, middle-market and large investment companies, institutional investors, public Real Estate Investment Trusts (REITs) and private REITs. From structured credit facilities to long-term non-recourse, fixed-rate loans, we offer a comprehensive suite of products to meet your commercial real estate finance needs.

Commercial Real Estate Permanent Debt Products

Regions provides long-term non-recourse loans for the acquisition, refinance and recapitalization of income-producing commercial real estate. Financing is available for properties located throughout the United States and eligible property types include multifamily, retail, office, industrial, hotel, self-storage, student housing, manufactured housing, skilled nursing and assisted living properties. Through our Fannie Mae DUS, FHA/HUD and CMBS platforms, Regions offers a variety of permanent debt products to suit your financing needs.

  • Fannie Mae Delegated Underwriting and Servicing (DUS)
    As a licensed Fannie Mae Delegated Underwriting and Servicing (DUS) lender, Regions provides long-term, non-recourse financing for a wide range of multifamily properties including garden-style complexes, high-rise apartment towers, cooperatives, student housing, and manufactured housing properties. Both market-rate and affordable housing properties are eligible for Fannie Mae DUS products, which can be structured with fixed interest rates, floating interest rates, and floating-to-fixed interest rates. Loan terms range from 5 years to 30 years, with amortization up to 30 years. Financing is available up to 80 percent loan-to-value depending on specific project characteristics and underwriting metrics.
  • Federal Housing Administration (FHA/HUD)
    As a MAP and LEAN licensed FHA/HUD lender, Regions provides long-term non-recourse financing for multifamily and healthcare properties including garden-style complexes, high-rise apartment towers, assisted living facilities and skilled nursing facilities. FHA/HUD products are offered for market-rate properties, affordable housing properties and properties with at least 90 percent of units supported by rental assistance. Financing for ground-up construction and substantial rehabilitations are also available for select projects. FHA/HUD products are structured with fixed interest rates, with loan term and amortization up to 40 years. Financing is available up to 80 percent loan-to-value for skilled nursing and assisted living facilities, 83.3 percent loan-to-value for market-rate multifamily properties, and 90 percent loan-to-value for affordable housing multifamily properties characteristics and underwriting metrics.
  • Commercial Mortgage-backed Securitizations (CMBS)
    As a direct loan originator and contributor to commercial mortgage-backed securitizations (CMBS), Regions provides long-term, non-recourse financing for a variety of non-owner occupied commercial real estate properties including office, retail, industrial, hotel, multi-family, manufactured housing, and self-storage properties. CMBS products are structured with fixed interest rates; minimum loan amounts of $5 million; loan terms of five, seven or 10 years; and amortization up to 30 years. Financing is available up to 75 percent loan-to-value (70 percent loan-to-value for value for hotel properties).

Real Estate Loan Syndications

Using its market expertise and distribution experience, Regions arranges and advises on large commercial real estate loan opportunities and credit facilities on behalf of a client base that includes public institutions, private institutions, and private commercial real estate owners. Regions serves as lead arranger and co-lead arranger for corporate credit facilities including unsecured revolvers, unsecured term loans, and secured term loans. Regions also structures and arranges large project-level construction loans, term loans and bridge loans. Leveraging long-standing relationships with a wide variety of institutional lenders, our real estate specialists are committed to successful execution of large transactions.

Corporate Real Estate Net Lease Products

  • Sale Leaseback and Build-to-Suit Transactions
    Regions arranges sale leasebacks and build-to-suit transactions for corporate clients looking to monetize corporate-owned real estate and to reinvest capital into their core businesses. Sale leasebacks are arranged for corporations that are owner-occupants of existing real estate properties, while build-to-suit transactions involve the construction of new real estate projects for corporations. In both cases, Regions arranges the sale of corporate-owned real estate (or development/construction of new real estate for build-to-suits), as well as the corporation's subsequent long-term lease of the subject property. These transactions are available for companies that are sole occupants of real estate projects, and leases are structured as a triple net (NNN) with a minimum lease term of 10 years. Flexible lease structures, including free rent terms and purchase options, are also available. Using their expertise and experience, our Corporate Real Estate Net Lease professionals develop innovative lease structures tailored to specific client needs.
  • Credit Tenant Lease (CTL) Debt Advisory
    Regions advises on credit tenant lease (CTL) debt financing assignments for single-tenants with investment-grade credit ratings. With access to several capital sources, Regions can arrange CTL debt financing that covers up to 100 percent of project costs.
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For more information, please contact:

Ward Cheatham, Head of Corporate Banking
Regions Securities LLC

Investment advisory services are offered through Regions Investment Management, Inc. (“RIM”), an investment adviser registered with the U.S. Securities and Exchange Commission pursuant to the Investment Advisers Act of 1940. RIM is a wholly owned subsidiary of Regions Bank, which in turn, is a wholly owned subsidiary of Regions Financial Corporation.

© Regions Bank. All rights reserved. Regions Securities® is a registered service mark of Regions Bank and is used under license for the corporate and investment banking services of subsidiaries of Regions Financial Corporation. Securities activities and Merger and Acquisition advisory services are provided by Regions Securities LLC, 1180 W. Peachtree St. NW, Suite 1400, Atlanta, GA 30309, member FINRA and SIPCClick here to read legal and compliance disclosures.

Banking products and services, including lending, financial risk management and treasury and payment solutions are offered by Regions Bank.

Deposit products are offered by Regions Bank, Member FDIC.

Regions, the Regions logo and Regions Securities are registered trademarks of Regions Bank and are used by its affiliates under license. The LifeGreen color is a trademark of Regions Bank.

*Investment, Annuities and Insurance Products

  • Are Not FDIC Insured
  • Are Not Bank Guaranteed
  • May Lose Value
  • Are Not Deposits
  • Are Not Insured by Any Federal Government Agency
  • Are Not a Condition of Any Banking Activity