• Retail Finance

    We provide businesses in the retail industry with tailored financing and advisory services to help companies grow.
  • Retail Finance

    CIT Retail Finance has the 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.

    Retail Products & Services:

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

    Additional 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 drive
    • Reliance on a company's operating performance, management strength and competitive position   

    Asset-based loan financing: 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)
    • 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 rate
    • Reliance on cash flow and traditional asset-based analytics    

    First out/unitranche structures

    • On an asset-based or cash flow basis 
  • Select Commercial Finance Transactions

    CIT combines its deep expertise in creating financing and treasury management solutions with outstanding execution and service, helping our clients achieve their full growth potential. See our latest accomplishments: Tombstone Collage

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