Commercial Banking & Finance Solutions

TCF provides a wide range of customized commercial banking and financing solutions to help you at any point of your financial journey. We are one team with many experts, who encompass deep experience and talent across a variety of geographical markets and industries. We specialize in building long-lasting relationships with companies of all shapes and sizes, getting business deals done with speed and efficiency.

Financing & Loan Solutions

Providing you the expertise you trust and financing flexibility that’s right for your industry and business.

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Corporate Banking

Provide a wide range of financing solutions to meet the needs of any sized company, including treasury management, commercial real estate financing, senior-secured debt, cash flow term loans and revolvers, asset-based products, working capital lines of credit and more.

 

Equipment Finance

Flexible equipment financing and leasing solutions tailored to our customers’ needs, all delivered with the business expertise you deserve.

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Commercial Real Estate

Commercial real estate investors and developers looking to build, renovate, refinance or acquire properties can count on TCF for creative financial solutions.

 


Middle Market

Full array of banking services including senior debt products, working capital, owner-occupied real estate and construction loans for privately held middle market companies. Focus on manufacturing, distribution and service industries.

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Retirement Plan Services

 

Customized employer-based retirement savings plans such as 401(k), 403(b), 457, defined benefit, cash balance pension and SIMPLE IRA plans. We offer a wide range of retirement plan solutions centered on consultation, enrollment and employee education.

 

Municipal Solutions

 

Whether streamlining operations, automating routine tasks or improving cash flow or investment returns, we tailor solutions to help your organization.

 

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Treasury Management

TCF offers a comprehensive selection of treasury management products and services to fit the needs of commercial clients. From collections to disbursements and reporting services, we have the tools to help you manage cash efficiently.

 

Capital Funding

We offer leveraged lending/sponsor finance to the lower middle market. We focus on cash flow-structured facilities to private equity-backed businesses.

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Inventory Financing


Specialized floorplan financing solutions that fit your business' needs so you can have the right inventory at the right time to meet the demands of your customers.


Hear what our customers are saying.

 
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Structured Finance

Our Structured Finance team specializes in providing customized, responsive business lending solutions designed to help your company grow. Our talented and experienced team is comprised of three distinct groups – Capital Funding, Business Credit and Corporate Finance – that have a history of building long-term relationships and are committed to helping you secure the senior capital needed to move your business forward, quickly and confidently. We can also access additional lending expertise through the broader TCF organization, including interest rate swaps, extensive treasury management capabilities, equipment leasing, wealth management and more.
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Asset-based lending

At TCF, we offer traditional asset-based lending structures to meet borrowers’ specific needs. Asset-based loans are designed to maximize your borrowing capacity by leveraging the value of your working capital assets. Asset-based loans leverage a company’s accounts receivable, inventory and fixed assets as collateral. Unlike cash flow or enterprise value lending that relies primarily on a borrower's historical cash flow generation and projected performance as loan criteria, asset-based loans instead look first to the value of a borrower’s collateral.
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Cash flow lending

Cash flow loans are designed to maximize borrowers’ ability to leverage their senior borrowing capacity based on their cash flow or multiple of adjusted trailing 12-month (TTM) EBITDA. While cash flow loans are senior debt with a blanket lien against available collateral, the focus is more on a borrower’s ability to generate consistent cash flow or adjusted EBITDA on both a historical and projected basis. Covenants will be put in place to monitor this aspect of the borrower.
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Industries

At TCF, we provide a wide range of financial solutions to suit all of your industry-specific needs. Our teams of banking professionals have decades of experience and knowledge in a variety of segments - including healthcare, technology, manufacturing, self-storage, education and many others. You can be sure wherever we provide support, we’ll take the time to understand your goals and needs to ensure your business capital works as hard as possible.

Questions? We're here to help.

Contact us for more information on Commercial Banking solutions at TCF.

All loans/leases are subject to credit approval. Equal Opportunity Lender
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