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Commercial Services

CIT Commercial Services is one of the nation’s leading providers of factoring and financing to consumer product companies. We tailor business credit solutions that help companies increase sales, improve cash flow, reduce operating expenses and eliminate customer credit losses. Our clients are vendors that sell to a broad range of public and private retailers, wholesalers and distributors across the nation and abroad.

Commercial Financing Services

  • Accounts receivable financing
  • Working capital loans
  • Growth financing
  • Asset based lending
  • Factoring loans
  • Inventory financing
  • Business debt refinancing
  • Business letters of credit
  • Liquidity

Accounts Receivable Management Services

  • Accounts receivable factoring services
  • Accounts receivable credit protection
  • Protection against bad debt losses
  • Protection against large customer concentrations
  • Accounts receivable management services
  • Import factoring services
  • Export factoring services
  • Invoice factoring
  • Notification factoring
  • Non-notification factoring
  • Recourse factoring
  • Non-recourse factoring

Industries Served

  • Toys
  • Hardware
  • Consumer electronics
  • Luggage and handbags
  • Service industries
  • Other consumer product industries


  • Atlanta, GA
  • Charlotte, NC
  • Dallas, TX
  • Danville, VA (Operations center)
  • Los Angeles, CA
  • New York, NY (Headquarters)

Explore Our Insights

CIT Retail Outlook: Learn how retailers are prioritizing innovation above all else as an essential step for survival.

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CIT Commercial Services Featured on Fashion Mannuscript

Providing Flexibility, Peace of Mind and Industry Expertise to an Important Retail Market

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CIT Point of View Blog

Current insights and trends provided by CIT Executives.

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CIT Commercial Services Presents

CIT Factoring University

Factoring University

An online resource for information about factoring.

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