Wholesale Industry Solutions

Financial solutions for growth and efficiency

FDIC-Insured - Backed by the full faith and credit of the US Government

Growth in the wholesale trade industry requires financial clarity and nimble decision-making. At First Horizon Bank, you can rely on our experience in helping businesses in wholesale find solutions to your unique operational challenges and competitive pressures.

How You Benefit

Faster, local lending decisions
Support from a multi-faceted deal team with deep, specific skill sets

What We Offer

Working Capital Financing – funding for new expansion, equipment, vehicles, etc. to help improve your business
Acquisition Financing – funding to help expand geographically, add capacity to existing operations, expand internationally, remove competitive threats, etc.
Owner-Occupied Real Estate Lending – short- or long-term funding for commercial real estate investments and projects
Equipment Financing– loans and lines designed specifically for investments in new equipment and equipment upgrades
Business Equipment Leasing – improve cash flow and protect yourself from obsolete technology by leasing your equipment

How You Benefit

Real-time control over cash cycle to manage revenue fluctuation
Back office efficiency that creates cost savings
24/7 monitoring and controls to mitigate fraud

What We Offer

ACH – quickly concentrate customer and vendor receivables into one cash pool
Remote Deposit Capture – deposit checks electronically, without a trip to the bank
Account Reconciliation – flexible, automated systems to aid in the reconciliation of checks issued and deposits made to your high volume business accounts.
Business Banking Online and Wire Transfer – provides your business with a fast, highly secure transfer system for moving funds to and from accounts at other banks.
Business Bill Pay – pay bills and simplify accounts payable with 24/7 access online or on the go
Check Positive Pay and ACH Positive Pay – help combat check and ACH fraud and forgery by matching the detail presented for payment against authorized paymentss

How You Benefit

Enable international credit risk mitigation
Streamline cash flow across borders
Focus on foreign exchange strategy

What We Offer

Letters of Credit – ensure payment, payment terms and quality of goods to your sellers through standby and import letters of credit
Documentary Collection – enable foreign transactions through presentment and collection of import documentation such as invoices, packing lists, and bills of lading
Foreign Currency Hedging – mitigate foreign exchange depreciation risk through hedge lending
International Wire – make and receive payments from vendors and other international business partners outside the U.S.
Foreign Check Clearing – get foreign checks cleared to ensure you have funds needed to continue day-to-day operations
Travel Money – make sure you have the funds you need when travelling internationally and conversion back to USD when you return

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The First Horizon Bank Advantage

Working with First Horizon Bank offers your wholesale business several distinct advantages:

A broad range of lending services to meet supply and demand side needs
A comprehensive, end-to-end approach to cash cycle management
A proven Treasury Management service model
An experienced team with hands-on wholesale industry knowledge
The strength and stability of a trusted financial institution that has served customers for more than 150 years