CIT provides a wide range of services to help companies in all stages of the business cycle. Use this chart to find the CIT service which best meets your company's needs.

What stage of the business cycle are you in?

Start up
Growth Phase
International Expansion
Mature Company
Company in Transition

Start-up
	What do you need? How can CIT help? Protection against bad-debt losses Factoring Working capital Accounts receivable and inventory financing

Growth Phase
	What do you need? How can CIT help? Funds to fuel expansion Working capital financing Need to enhance cash flow Factoring with accounts receivable and inventory financing Protection against bad debt losses, accounts receivable bookkeeping, and collection services Factoring Protection against bad debt losses Credit protection Credit protection on a few big customers Select customer credit guarantee Funds for a management buyout or LBO Acquisition financing Outsourced management of my accounts receivable function TotalSource receivables management outsourcing Off-balance sheet financing Bulk sale of accounts receivable Reduce expenses of my current lock box and increase availability of funds Lock box management

International Expansion
	What do you need? How can CIT help? As an exporter, I need funds to purchase inventory and finance work Export working capital guarantee program As an exporter, I am concerned about the creditworthiness of my international customers Export factoring As an exporter, I want to borrow against my non-US receivables Letters of credit in conjunction with factoring As an importer, I need to finance my goods and move them through retail distribution channels Purchase order financing As an importer, I need credit protection and financing Letters of credit in conjunction with factoring

Mature Company
	What do you need? How can CIT help? One-time or periodic off-balance sheet financing Bulk sale of accounts receivable Protection from credit losses on my biggest customers Select customer credit guarantee Funds for an acquisition or management buyout Acquisition financing Refinance existing loans and reduce expenses Debt restructuring Quicker turning receivables Factoring Outsourced management of my accounts receivable function TotalSource receivables management outsourcing Reduce expenses of lock box and increase availability of funds Lock box management

Company in Transition
	What do you need? How can CIT help? Financial support as my company reorganizes Turnaround financing Funds during and after bankruptcy Debtor-in-possession financing / confirmation plan financing

If you can't find the service you are looking for, call (800) 248-3240 or e-mail us. We look forward to working with you!