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    Commercial & Industrial

    We help businesses with a wide range of specialties with customized financing and advisory services to meet their financial needs.

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  • Serving the commercial & industrial industries

    CIT provides customized financing and advisory services for commercial and industrial companies in all stages of the business cycle. Our products include 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.

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    Products & services

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

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

    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

    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

    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

  • Commercial & Industrial

    $2,000 to $25 million transactions

    For transactions ranging from $2,000 to $25 million, please visit our Equipment Financing page. Our business capital team works directly with commercial and government entities, as well as manufacturers and their authorized distributors to finance sales to their customers.

    See equipment financing options
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  • Contact us today

    CIT is a trusted financial provider delivering a broad range of innovative, cost-effective debt solutions to middle market companies in all stages of the business cycle. Contact us to learn how we can work together to meet your commercial and industrial business needs.