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TCF Capital Funding

TCF Capital Funding

TCF Capital Funding, a division of TCF Bank, provides asset based and cash flow loans to lower middle market companies throughout the United States. Our niche is the lower middle market, defined as privately held companies with less than $100 million in sales and EBITDA between $2 and $10 million. Our lending professionals average more than 20 years of experience serving lower middle market companies with leveraged finance products to support acquisitions, buyouts, growth initiatives and refinancings.

About Us
Our Target Companies
Our Team

Asset Based and Cash Flow Loans

TCF Capital Funding offers creative structures to provide revolving loans and term loans that appropriately reflect a borrower's capitalization and enterprise valuation and help to match principal amortization to a borrower's debt service capability and ongoing capital spending needs.

The experience of the TCF Capital Funding leveraged finance team allows it to offer a variety of leveraged loan structures to fit the customer's financing need. Whether the company is asset intensive or generates a significant amount of cash flow, TCF Capital Funding can work to tailor a structure to meet both the funding requirement and simultaneously take into account the company's debt service ability. Learn more about our products below and contact our experienced team of lending professionals today.

Asset Based Loans

TCF Capital Funding offers asset based loans for companies that are looking to maximize their borrowing capacity using accounts receivable, inventory and fixed assets as collateral while meeting debt service requirements.

Unlike cash flow or enterprise value lending that relies heavily on a borrower's historical cash flow generation and projected performance as loan criteria, asset based loans increase a borrower's financing capacity by instead leveraging the value of their existing assets.

Structures include:

  • Revolving Loans supported by a borrowing base of working capital assets which can be used to help fund daily operations and seasonal cash cycle fluctuations.
  • Term Loans supported by fixed assets (machinery & equipment and/or real estate) which can be used to fund growth or help finance an acquisition.   

Cash Flow Loans

TCF Capital Funding offers cash flow loans (or enterprise value loans) to companies backed by funded Private Equity Sponsors and Mezzanine Groups. Cash Flow loans are utilized in leveraged buyouts, recapitalizations and refinancings to maximize borrowing capacity by leveraging a borrower's ability to generate strong and consistent cash flow.

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