Wells Fargo Corporate & Investment Banking provides lending, payments, and liquidity services to institutional clients.

In lending, the firm offers asset-based lending secured by receivables, inventory, or other assets. It provides working capital lines, term loans, syndicated credit facilities, and short-term financing. Acquisition financing is available through bilateral or bridge loans. Commercial real estate financing includes lending and capital markets access. Equipment financing covers vehicles, machinery, technology, aircraft, and vendor-related structures.

The Global Payments and Liquidity business delivers treasury services for payables, receivables, and cash management. Payables capabilities include real-time payments, API-based channels, virtual cards, and ERP integration. Receivables services cover consolidated processing, invoicing, and reconciliation. Fraud tools include ACH filters, Positive Pay, and account validation. Reporting tools provide real-time, multi-bank, multi-currency visibility through the Vantage platform, with data exchange via APIs and SWIFT. Cross-border money movement is supported through participation in CHIPS, SWIFT, and ISO 20022.

Liquidity risk is managed through high-quality liquid assets, forecasting, stress testing, and compliance with a regulatory Liquidity Coverage Ratio (LCR) of at least 100 percent. Oversight is provided by the Board Risk Committee, Corporate Asset-Liability Committee, and the Liquidity Risk Management Oversight Committee.

Wells Fargo supports institutional clients in managing credit, payments, and funding obligations across geographies and sectors.