Santander Holdings USA, Inc., through its subsidiaries, provides various commercial, business, corporate, and investment banking products and services primarily in the Mid-Atlantic and Northeastern United States. The company offers business banking products and services, including demand and interest-bearing demand deposits, money market accounts, and savings accounts; certificates of deposit and retirement savings products; lending products comprising unsecured personal loans, credit cards, and small business loans, such as business lines of credit; and investment services, such as annuities, mutual funds, managed accounts, and insurance products. The company also provides commercial banking services consisting of commercial lines, loans, letters of credit, receivables financing, cash management, and deposits; and commercial real estate and multifamily loans, as well as commercial loans to dealers, and financing for commercial equipment and vehicles. In addition, The company provides investment banking, institutional sales, and trading, as well as research reports on Latin American and European equity, and fixed-income securities; and auto financing products and services, including retail installment contracts and leases, as well as dealer loans for inventory, construction, real estate, working capital, and revolving lines of credit; and originates vehicle loans through a web-based direct lending program, purchases vehicle RICs from other lenders, and services automobile, recreational, and marine vehicle portfolios for other lenders. Santander Holdings USA, Inc. also provides straight-forward products, efficient cash flow solutions, flexible lending options, and tailored guidance to help small-scale businesses. Santander Holdings USA, Inc. was formerly known as Sovereign Bancorp Inc. The company is based in Boston, Massachusetts. Santander Holdings USA, Inc. operates as a subsidiary of Banco Santander, S.A.