HARLINGEN, Texas - Texas Regional Bank has announced a strategic partnership with Mexico-based factoring firm CapitalX to establish a cross-border factoring collaboration.
The aim is to support trade between Mexican exporters and U.S. buyers.
Through the partnership, TRB International Private Banking and Capital X will introduce financing solutions that support Mexican exporters selling to businesses in Texas and across the United States. The collaboration combines the stability and regulatory framework of a U.S. banking institution with the local market expertise and operational experience of a Mexican factoring firm.
Eduardo Caso, executive vice president and head of international private banking for TRB, said the initiative expands the bank’s international capabilities while strengthening financing solutions that facilitate commerce between Mexico and Texas.
“Expanding our international capabilities is an important part of TRB’s long-term strategy,” Caso said. “Through our partnership with Capital X, we are creating a structure that supports cross-border trade while providing exporters with improved access to liquidity and disciplined credit evaluation centered on U.S. buyers.”
A TRB press release explained: “Under the partnership framework, TRB will work alongside Capital X to evaluate receivables tied to U.S. buyers while providing banking oversight, risk management, and the financial infrastructure that supports the financing and collection process. Through TRB’s U.S. banking platform, payments from buyers can be received, monitored, and administered within a regulated financial environment, strengthening transparency and credit discipline throughout the structure.”
Factoring allows exporters to convert accounts receivable into working capital by selling invoices to a financial institution, Caso explained. He said the structure is particularly valuable in international trade, where payment terms often extend from 60 to 120 days. Exporters require predictable liquidity to support production and fulfill new orders, Caso argued.
Guillermo Gómez is TRB’s international banking and factoring officer. He said the new initiative represents an important step in the bank’s continued effort to strengthen its international platform and support businesses operating along the Texas–Mexico trade corridor.
“This partnership reflects the type of thoughtful collaboration needed to support businesses operating between two economies,” Gómez said. “By combining TRB’s banking platform with Capital X’s expertise in the Mexican market, we are creating a solution designed to help exporters manage cash flow, navigate cross-border trade complexities, and continue growing their businesses.”
The Texas–Mexico corridor remains one of the most active trade regions in the world, Gómez pointed out. By bringing together a U.S. banking institution and a Mexican factoring partner, TRB and Capital X aim to provide exporters and their U.S. buyers with financing structures that support trade while maintaining strong governance, transparency, and credit discipline, he said.
