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Commercial Services

Our customized financial solutions help middle market consumer product companies improve cash flow, reduce operating expenses and mitigate credit risks.

CIT's commercial services business

CIT is one of the nation’s leading providers of factoring and financing to middle market consumer product companies. Our wide range of lending, financing, and receivable management services can help you grow your business with peace of mind.

Key areas of focus

  • Apparel  
  • Consumer electronics
  • Footwear  
  • Furniture  
  • Housewares  
  • Accessories
  • Home furnishings 
  • Textiles
  • Health and beauty
  • Toys
  • Hardware
  • Luggage
  • Other consumer product industries 
  • Service industries

See all industries


Accounts receivable factoring is a financial tool that can help companies accelerate cash flow, improve collections and control exposure to bad debts.

Learn about factoring

International factoring

International factoring is typically available on a non-recourse, notification basis and can be used to facilitate either import or export sales.

Consider international factoring

Asset-based lending

An Asset-Based Loan (ABL) is utilized by a business to obtain working capital financing based on advances made against the business' assets as security.

Explore asset-based lending

Bulk sale of accounts receivable

A bulk sale of accounts receivable provides a means of obtaining off-balance sheet financing.

Discover bulk sale of accounts receivable

Receivable exposure management (REM)

Receivable exposure management (REM) is a risk mitigation tool that helps companies support sales growth while controlling selected customer credit risk.

Read about REM

Supply chain finance

Supply chain finance allows buyers to optimize their working capital by extending their payment terms while providing an on-demand pool of liquidity for their suppliers.

See supply chain finance details

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Contact us today

As a preeminent lender and provider of lending and financial and operational solutions to companies in the consumer products space, CIT can help you focus your efforts on developing ideas into sustainable, growing businesses. Learn how we can work together.