• Commercial & Industrial Finance

    We help businesses in a wide range of industries with customized financing and advisory services to meet their financial needs.
  • Commercial & Industrial Finance

    CIT Commercial & Industrial Finance provides customized financing and advisory services in all stages of the business cycle, including working capital, growth capital, acquisition, debt refinancing, recapitalization and restructuring.We serve a wide range of industries including manufacturing, retail, restaurants, consumer products, and chemicals.

    Manufacturing Products & Services:

    • Working capital
    • Acquisition financing
    • Growth capital
    • Management buyouts
    • Debt refinancing
    • Recapitalizations
    • Turnarounds
    • Restructurings
    • Debtor-in-possession financing
    • Confirmation plan financing  

    Asset-based loans:

    • Senior secured revolving and term debt based on asset valuations 
    • Revolving lines of credit based on valuation of inventory and receivables and term loans based on valuation of fixed assets (including machinery, equipment and real estate)
    • Loans against Intellectual Property - valuable trademarks, patents, licenses and royalties    

    Cash Flow Financing:

    • Predominantly in connection with acquisition financing
    • Senior secured debt, which is based on a multiple of EBITDA and understanding of cash flow drivers
    • Reliance on a company's operating performance, management strength and competitive position
         

    Select stretch asset-based loans and hybrid structures: 

    • Senior secured revolver and term financing with advances beyond traditional ABL advance rates 
    • Reliance on cash flow and traditional asset-based analytics
        

    First out/unitranche structures:

    • On an asset-based or cash flow basis 

    Machine Tools Heavy Equipment Key Areas of Focus:

    • Manufacturers
    • Restaurants
    • Wholesalers and distributors
    • Chemicals
    • Select financial services
    • Retailers
    • Consumer products
    • Metals
    • Automotive
    • Other heavy manufacturing
    • Paper
    • Plastics
  • Select Commercial Finance Transactions

    CIT combines its deep expertise in creating financing and treasury management solutions with outstanding execution and service, helping our clients achieve their full growth potential.See our latest accomplishments:Tombstone Collage

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