Commercial and Industrial Finance of America backs manufacturers, builders, carriers and growers with equipment financing, real estate loans and working capital — structured around how your business actually earns.
Whether you are retooling a line, buying a building or bridging a slow-paying customer, we match the structure to the asset and the cash cycle.
CNC machines, presses, packaging lines, excavators, medical imaging suites — finance up to 100% of hard and soft costs with the equipment itself serving as collateral. Choose a loan to own, a lease to preserve cash, or a seasonal structure that follows your revenue.
Owner-occupied warehouses, plants, offices and mixed-use buildings with long amortizations and fixed-rate options.
A revolving line sized to your receivables and inventory, so payroll and purchasing never wait on a customer's check.
Advance up to 90% of approved invoices within a day.
Tractors, trailers, vans and specialty vehicles with flexible mileage-based terms.
Government-backed structures for lower down payments and longer terms.
Each sector has its own cash rhythm. Pick yours to see how we structure it.
Compare the monthly cost of owning against leasing with a residual buyout for your next piece of equipment.
Adjust the sliders — results update instantly.
Illustrative estimates for planning only; not a quote or commitment to lend. Actual pricing depends on credit, equipment type, vendor, tax treatment and underwriting. Consult your tax advisor on depreciation and Section 179.
Five stations, one dedicated underwriter, no handoffs into a black hole.
Share your project, asset or cash-flow gap in a short form or a quick call.
Day 0Your underwriter reviews financials and proposes the best structure.
Day 1Receive clear pricing, covenants and total cost with no jargon walls.
Day 2Vendor quotes, insurance and appraisals are coordinated for you.
Days 3–10Sign electronically; we pay the vendor or wire the proceeds directly.
CloseRepresentative engagements, simplified for illustration.
A third-generation machine shop in the Midwest needed to win aerospace contracts. We financed machines, tooling and installation under one 72-month schedule with a seasonal step-up.
A 40-truck carrier faced rising maintenance costs. We structured mileage-flexible financing for 14 new tractors and paired it with a factoring line to smooth receivables.
Rather than renewing an expiring lease at a steep increase, the owner purchased the facility using an SBA 504 structure with a low down payment and a 25-year term.
Case summaries are illustrative composites; individual outcomes vary.
Still have a question? Email support@ciofamerica.com and a commercial specialist will reply.
Typically two years of business financials or tax returns, a current interim statement, a vendor quote or purchase agreement for equipment, and an accounts receivable aging report for working capital. Smaller requests can often move with less.
Yes. We fund new and used equipment, including specialized machinery, provided we can value it and it holds secondary-market demand. Older or highly customized assets may require a larger down payment.
Companies with at least 12 months of operating history are usually considered. For newer businesses we look closely at owner experience, projected cash flow and available collateral.
Our standard programs do not include prepayment penalties. Certain fixed-rate real estate structures and government-backed programs may carry stepped fees, which are always disclosed in your term sheet.
Invoice advances can be released within a day of approval. Equipment financing typically closes in one to two weeks once vendor documents are in; real estate takes longer due to appraisals and title work.
Absolutely. We can sit alongside your primary banking relationship, finance specific assets without disturbing your line, or take a subordinated position where appropriate.
Send a few details and a CIFA commercial underwriter will respond within one business day with next steps and a preliminary structure.