CIT Commercial & Industrial

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Commercial & Industrial Finance

CIT Corporate Finance, Commercial & Industrial is a trusted financial partner delivering a broad range of innovative, cost-effective debt solutions to middle market companies in all stages of the business cycle.

Our Commercial and Industrial Loan Solutions

Financial Solutions

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

Services

Companies and private equity firms turn to CIT Commercial & Industrial for:

Asset-based loan financing

  • 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)
  • May consider advances against intangible assets (trademarks, patents, licenses, 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

Key Segments

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

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