The right choice

Lending secured by your success

Our working capital solutions allow you to manage growth goals, carry accounts receivable or take advantage of unexpected opportunities. You can always count on our team of experts to structure a flexible, customized solution that’s right for you. Our industry knowledge combined with the strength and resources of TIAA Bank provides your business with the complete financing package you need.

Revolving lines of credit
  • Terms ranging from 3-5 years
  • Advance rates up to 85% of eligible accounts receivable, plus up to 65% of eligible inventory
Stretch cash flow term loans
  • Available with adequate cash flow
  • Amortized up to 3 years
  • Not to exceed 20% of the total facility
Term loans
  • Amortizations up to 7 years for machinery and equipment, plus up to 15 years for real estate
  • Advance rates up to 85% of net orderly liquidation value of machinery and equipment, plus up to 60% of fair market value of real estate
  • Retail
  • Transportation
  • Seafood
  • Lumber
  • Automotive parts
  • Energy
  • Aviation
  • Healthcare
  • Publishing
  • Industrial
  • Technology
  • Telecommunications
  • Wholesale
  • Growth opportunities
  • Acquisitions & refinances
  • Recapitalizations
  • Leveraged buyouts
  • Seasonality
  • Restructurings & turnarounds

Program details

Minimum transaction size $5M
Lines of credit 3-7 yrs
Term loan amortization up to 15 yrs