Corporate Banking
Our experienced and talented teams of corporate banking professionals provide a wide range of financing solutions to meet the needs of any company – from small, family-owned businesses to large, national corporations. Our financing solutions include construction financing, senior-secured debt, cash flow term loans and revolvers, asset-based products, working capital lines of credit and more. We also offer a comprehensive suite of treasury management solutions to help you manage your cash flow more effectively.
Commercial real estate investors and developers looking to build, renovate, refinance or acquire properties can count on TCF for creative financial solutions that deliver long-term benefits. Our experienced team focuses on building relationships (not just transactions) that provide the attention you deserve with the financial muscle to back your business for the long haul.
We are a leading national, leveraged lending/sponsor finance group supporting the lower middle market. Our lending professionals average more than 25+ years of experience and focus on cash flow-structured facilities to private equity-backed businesses. We are one of the largest dedicated lower middle market sponsor finance groups in the country.
This asset-based lending group supports the lower middle market for direct deals and the middle market for agent and club co-lender opportunities. Our focus is asset-based structures for both fully secured and senior stretch facilities, primarily to entrepreneurs and to private equity-backed businesses.
A national business, comprised of experienced, C&I multi-bank lending experts, Corporate Finance provides credit and underwriting support for more complicated loan structures to multi-bank facilities for larger, middle market companies. Our vertical expertise includes: various financial service businesses (BDCs, debt funds and distressed debt funds); environmental service/waste recycle; and coal/power generation.
We provide solutions for specialized operating companies that use real estate as a means to provide services to consumers and businesses. Industry segments include healthcare properties, self-storage facilities, senior housing, affordable housing, national institutional real estate, tax credit investing and hospitality.
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Contact us for more information on Commercial Banking solutions at TCF.
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.
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.
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.
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.
All loans/leases are subject to credit approval. Equal Opportunity Lender