You are using an outdated browser. Please upgrade your browser to use this site.

  • Illustration of desk with computer

    Retail

    We provide businesses in the retail industry with tailored financing and advisory services backed by decades of experience.

    Illustration of cash register.
  • Serving the retail industry

    CIT has the retail industry experience and expertise to help businesses grow. We provide innovative, customized retail financing and advisory services in all stages of the business cycle, including working capital, acquisitions, growth capital, recapitalizations, debt refinancing, and restructurings.

    Products & services

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

  • 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 loan financing

    • 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)

    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

  • Related content


  • Contact us today

    Leveraging in-depth industry expertise, we provide innovative, customized retail financing and advisory services for customers in all stages of the business cycle. Learn how we can work together to meet your business needs.