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Our Operations

We help individuals, business owners, and communities achieve their goals through flexible savings and financing products. Learn about the different services we provide for commercial and consumer banking.

Commercial banking

Commercial finance

CIT's commercial finance business provides lending, leasing and treasury management services to small and middle market businesses across the nation. Clients use our treasury management products to improve cash flow management, reduce costs, improve productivity and protect against fraud.

Learn about commercial finance

Business capital

CIT’s business capital group delivers lending, leasing, and factoring financing solutions, nationally, to small businesses and middle market companies across a number of specialty verticals. These include capital equipment finance, equipment finance, commercial services, lender finance and our digital small business platform.

Read about business capital

Real estate finance

CIT’s real estate finance business provides senior secured commercial real estate loans to owners, developers and investors across the U.S. We focus on financing the repositioning of properties and originate construction loans to highly experienced and well-capitalized developers. We also provide a full suite of cash management and capital market products including loan syndication and interest rate protection products.

View real estate finance


CIT’s rail business offers industry-leading customized leasing and financing solutions and a highly efficient, diversified fleet of railcar assets to freight shippers and carriers.

Explore rail

Consumer banking

CIT Bank

Through our nationwide direct bank, we offer consumers competitive deposit products to help them achieve their savings goals. CIT Bank has been recognized by personal finance sources including MyBankTracker, NerdWallet and GOBankingRates for products that drive value for customers. CIT Bank is a division of CIT Bank, N.A.

See CIT Bank details

OneWest Bank

OneWest Bank, a division of CIT Bank, N.A., serves the communities of Southern California with a full suite of banking and lending services for personal and business banking. It is one of the largest banks based in Southern California. Our team is dedicated to providing tailored solutions that serve customers’ needs.

Discover OneWest Bank