Lending

We’re committed to the tech and life science sectors because we’ve chosen to focus the majority of our business on them. Unlike many other banks, we understand the volatile and complex nature of your industry – and its value.

We hold deep expertise and insight into the market dynamics, competitive landscape, licensing models, deferred revenues and the buying cycle issues faced by tech and life science companies, so we’re able to structure more flexible lending solutions that are aligned with your business needs and business milestones.

We offer broad, flexible debt finance capabilities: domestic, international, and asset-based.

International

Our comprehensive range of products, tailored to help you expand your business globally, can also help mitigate credit, foreign exchange (FX) and payment risk.

While we retain offices in major world-wide tech centers including the U.K., India, China, and Israel, our Global Treasury Management platform enables you to manage your SVB accounts – and accounts from other banks – from a single system, from the convenience of your office.

SVB is one of the highest volume user banks of Ex-Im Working Capital Guarantee Program (WGCP). Under the WGCP, we offer qualified clients credit support for expanding their international sales.

Establishing an offshore account can be difficult and time consuming. We can help simplify the process for you in 37 countries – without the need to travel abroad.

We also can help you with other in-country needs such a staffing and real estate.

Investments

Our investing solutions are aligned with our clients goals: preserve capital, manage liquidity, and earn a competitive return. Whether you choose to manage your own investments, or engage our professional asset management team – or both – we can meet your investing needs.

SVB Asset Management

• We're independent – we don't underwrite securities, and have no inventory bias or divided loyalties between issuers and investors. We ensure that our strategy is aligned with your investment policy
• We retain a singular corporate-cash focus – it’s all we do. We’re not distracted by managing high-net worth assets or other core fixed income strategies.
• Our full-resource investment department conducts ongoing surveillance, credit research and analysis – so you can focus on other parts of your business.
• Our proven approach:
  • Focuses on deeply understanding what we invest in, proactively steering our clients away from emerging risks like Auction Rate Securities.
  • Follows a conservative, benchmarked investment process in extensive interest rate, economic, sector and issuer analysis.
• We offer complete visibility to risk, return, strategy and treasury accounting, including offshore investment accounts, integrated through a robust reporting platform.

SVB Securities

• We’re independent of the investments we offer, and don’t maintain inventory.
• We provide you with Web-based transaction capabilities and account reporting.
• Our salary-based employees are agnostic of the products we offer.
• We have a broad range of investment products, including offshore investments, suited to your liquidity and capital preservation needs, and tax situation.
• The investments we offer are designed to help preserve capital and maintain liquidity with easy links to your Silicon Valley Bank account.

Global Cash Management

SVB offers a comprehensive set of global treasury solutions customized to manage your working capital more effectively while optimizing cash flow.

• We consider your present needs but also work to architect a scalable solution for your future requirements as you grow.
• Our expert advisors can help you expedite cash flow by improving your payment and collection processes.
• Our comprehensive platform provides a single, integrated view into your cash flow and consolidates your reporting.