Financing & Credit Solutions

We provide commercial banking solutions to support business operations and trade.

Our financing & credit solutions are designed to support businesses across different stages of scale, from growing enterprises to established corporate and institutional clients. All facilities are structured within a commercial banking framework, aligned to real economic activity, identifiable assets, and underlying trade or operating cash flows. We support businesses in managing liquidity, acquiring assets, executing trade, and funding expansion through disciplined, relationship-led commercial banking solutions.

Our Solutions

Working Capital & Liquidity Financing

Working capital and liquidity financing supports day to day business operations, including managing incoming and outgoing payments, seasonal operating cycles, and short term funding requirements. Facilities are structured to provide flexible access to liquidity while remaining aligned with the underlying operating activity and cash flow generation of the business.

Asset & Equipment Financing

Asset and equipment financing supports the acquisition of business critical assets such as machinery, vehicles, vessels, technology, and operational infrastructure. Financing is structured against identifiable assets, allowing businesses to invest in productive capacity while managing cash flow impact over time.

Trade & Trade Linked Facilities

Trade and trade linked facilities support businesses engaged in domestic and cross border trade activities. These facilities are designed to facilitate supplier payments, inventory funding, and settlement timing associated with import, export, and distribution cycles. Trade linked financing helps businesses manage working capital pressures while supporting efficient execution of trade transactions.

Expansion & Growth Financing

Expansion and growth financing supports strategic initiatives such as capacity expansion, new facilities, market entry, and business development projects. Facilities are structured to align with investment timelines and projected cash flows, enabling businesses to pursue growth in a measured and sustainable manner.

Financing for Internationally Linked Businesses

For businesses with international operations, financing solutions consider cross border trade flows, foreign currency exposure, and regional operating structures. These facilities support businesses managing overseas suppliers, international customers, and cross border operating activity within a commercial banking context.

Project & Structured Asset Financing

Project and structured asset financing support capital-intensive initiatives where funding is directly linked to identifiable assets or project specific cash flows. These solutions are suitable for businesses undertaking larger investments in infrastructure, logistics, hospitality, manufacturing, or long term operational assets, within a commercial banking framework.

Credit Support Instruments

Credit support instruments are available to support contractual, trade, and operational obligations arising from business activity. These instruments support performance, payment, and execution requirements associated with commercial contracts and trade relationships.

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Disclaimer:
All financing and credit facilities are subject to DBM’s credit approval processes, risk assessment, documentation requirements, and applicable regulatory limits.

Financing availability, pricing, profit rates, tenure, and security requirements vary based on the client’s financial position, operating activity, and risk profile.

Approval of any financing facility is not guaranteed and may be withdrawn or amended where regulatory, credit, or risk considerations change. Early settlement, restructuring, or default may result in additional costs or consequences as outlined in facility agreements.