Commercial Banking

# Powering Mid-Market Growth

CTGMC Commercial delivers tailored financial solutions for middle-market companies — credit facilities, treasury management, trade finance, and more.

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€500M+
Deployed
1,200+
Companies Served
€50M
Max Credit Facility
30 yr
Industry Expertise
Our Solutions

## Commercial Financial Products

From credit facilities to trade finance, we build the right structure for your business needs.

Commercial Credit Facilities
Revolving credit lines, term loans, and bridge financing up to €50M — structured around your cash flow cycle.
Treasury Management
Cash flow optimization, liquidity management, and automated sweep accounts to maximize your working capital.
Trade Finance
Letters of credit, export financing, and supply chain solutions to support your global trade operations.
Commercial Real Estate
Construction loans, permanent financing, and portfolio lending for commercial property investment and development.
Industry Focus

## Deep Industry Expertise

Our bankers bring sector-specific knowledge to every relationship, providing solutions built for your industry's unique dynamics.

Healthcare
Technology
Real Estate
Manufacturing
Energy
Retail
Our Process

## How We Work With You

A transparent, structured approach — from first conversation to ongoing partnership.

1
Needs Assessment
We listen first. Our bankers conduct a thorough review of your business goals, financials, and growth plans.
2
Structure Solution
We design a customized financial structure — credit size, terms, covenants — aligned with your objectives.
3
Execute & Fund
Our credit team moves quickly. Most facilities are approved and funded within 15–30 business days.
4
Ongoing Support
Your dedicated relationship manager stays engaged — annual reviews, line renewals, and proactive guidance.
Client Portal

## Real-Time Visibility Into Your Credit

Your dedicated client portal gives you 24/7 access to your credit facilities, account balances, and relationship manager — all in one place.

- Live credit utilization dashboard with draw-down history
- Multi-account balance overview and cash position reporting
- Direct messaging with your dedicated relationship manager
- Document vault for financial statements, covenants, and agreements

Open Your Account
JM
James Morrison, Relationship Manager
Commercial Banking · Direct: (303) 555-0182
Credit Facility Utilization
€15.5M drawn of €25M 62%
Account Balances
Operating Account€2,841,003
Payroll Account€487,560
Reserve Account€1,200,000
FAQ

## Common Questions

Answers to the questions our commercial clients ask most.

What is the minimum revenue requirement for commercial banking?
We typically work with companies generating €5M or more in annual revenue. However, we evaluate each relationship individually — high-growth companies with strong projections may qualify below this threshold. Contact a banker to discuss your specific situation.
What types of businesses do you serve?
We serve middle-market companies across a wide range of industries including healthcare, technology, manufacturing, energy, real estate, and retail. Both privately held and publicly traded companies are welcome. We do not generally service startups with less than 2 years of operating history.
How long does the credit analysis process take?
Our streamlined credit process typically takes 15–30 business days from complete application to funding. This includes financial analysis, underwriting, credit committee review, and documentation. Larger or more complex facilities may take up to 45 days.
What credit sizes are available?
We offer credit facilities ranging from €1M to €50M for single-company relationships. For larger capital needs, we can arrange syndicated facilities in partnership with other lenders, with no upper limit. Credit size is determined by your financials, collateral, and business plan.

## Connect With a Commercial Banker

Let's start with a conversation. Our experienced commercial bankers are ready to understand your business and build the right solution.

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