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Corporate Lending

Huntington National Bank offers comprehensive Corporate Lending solutions designed to meet the unique financial needs of businesses. These services include asset-based lending, corporate finance, and commercial real estate loans, providing businesses with flexible and customized financing options to support growth, expansion, and day-to-day operations.

With a deep understanding of corporate finance and extensive experience working with businesses across industries, Huntington National Bank provides personalized lending solutions that address the specific challenges and goals of each organization. Whether companies need to secure working capital, finance a new real estate development, or manage their debt portfolio, Huntington’s lending services are designed to help businesses achieve their financial objectives.

Asset-Based Lending

Asset-based lending (ABL) is a specialized form of lending that allows businesses to borrow against their assets, such as accounts receivable, inventory, equipment, or real estate. Huntington National Bank’s asset-based lending solutions provide companies with access to revolving lines of credit or term loans based on the value of their assets, offering a flexible and scalable financing option.

Key Features:

  • Revolving Credit Lines: Businesses can secure a revolving line of credit that adjusts based on the value of their assets, providing ongoing access to working capital. This is ideal for businesses with fluctuating cash flow needs, allowing them to draw funds as needed and repay them as their financial situation improves.
  • Term Loans: Huntington also offers term loans under asset-based lending arrangements, allowing businesses to leverage their assets for a lump-sum loan that can be used for large capital expenditures, acquisitions, or debt refinancing.
  • Collateral-Based Lending: With asset-based lending, businesses pledge their assets as collateral, which reduces the risk for the lender and often results in more favorable loan terms. Huntington carefully evaluates the company’s asset base to determine the loan amount and structure that best suits its needs.
  • Flexibility and Scalability: As a company’s assets grow, so does its borrowing capacity. This makes asset-based lending a scalable solution that evolves with the business, ensuring that access to capital increases in tandem with the company’s asset base.

Who Benefits from Asset-Based Lending?

  • Manufacturers, Distributors, and Wholesalers: Companies with significant inventory or accounts receivable benefit from Huntington’s asset-based lending solutions by unlocking liquidity tied up in their assets.
  • Seasonal Businesses: Businesses with seasonal cash flow fluctuations can leverage their assets to access the working capital they need during slower periods and repay when revenue picks up.
  • Rapidly Growing Companies: Businesses experiencing growth but facing challenges in securing traditional financing can use asset-based lending to fuel expansion without diluting ownership or taking on restrictive debt covenants.

Corporate Finance

Huntington National Bank’s corporate finance services offer a range of solutions to help businesses manage their capital structure, finance mergers and acquisitions, and execute complex financial transactions. The bank works closely with businesses to design tailored financing structures that align with their strategic goals.

Key Features:

  • Capital Structuring: Huntington’s corporate finance team assists businesses in optimizing their capital structure, balancing debt and equity to minimize financing costs and maximize shareholder value. Whether it’s issuing new debt, refinancing existing obligations, or accessing equity markets, Huntington provides expert guidance throughout the process.
  • Mergers and Acquisitions (M&A) Financing: For businesses looking to grow through acquisitions, Huntington offers M&A financing solutions that include term loans, bridge loans, and other financing arrangements to support the transaction. The bank’s corporate finance experts work with businesses to evaluate potential acquisitions and structure financing packages that align with their growth strategy.
  • Debt Refinancing and Restructuring: Companies seeking to improve their debt profile or manage financial distress can take advantage of Huntington’s debt refinancing and restructuring services. The bank helps businesses refinance existing debt on more favorable terms or restructure their obligations to improve cash flow and reduce financial strain.
  • Leveraged Buyouts (LBOs): Huntington provides financing for leveraged buyouts, enabling businesses or private equity firms to acquire companies using a combination of debt and equity. The bank’s corporate finance team works closely with businesses to structure LBO transactions that maximize value while minimizing risk.
  • Private Placements: Huntington assists companies in raising capital through private placements, offering a more flexible and less costly alternative to public equity or debt offerings. The bank helps businesses access institutional investors and structure deals that meet their financial needs.

Who Benefits from Corporate Finance Services?

  • Middle-Market Companies: Businesses looking to expand through acquisitions, recapitalize, or restructure debt benefit from Huntington’s expertise in corporate finance.
  • Private Equity Firms: Firms seeking financing for acquisitions or portfolio company growth can leverage Huntington’s tailored M&A and leveraged buyout solutions.
  • High-Growth Enterprises: Fast-growing companies needing additional capital to fuel expansion benefit from Huntington’s corporate finance services.

Commercial Real Estate Loans

Huntington National Bank offers a variety of commercial real estate (CRE) loan options to help businesses purchase, develop, or refinance real estate properties. Whether companies are investing in office buildings, retail spaces, warehouses, or multifamily housing, Huntington provides customized loan solutions to meet their specific real estate needs.

Key Features:

  • Purchase Loans: Huntington offers commercial real estate purchase loans that provide financing for businesses looking to buy new properties. The bank’s team works with companies to structure loans with favorable terms, including competitive interest rates and flexible repayment schedules.
  • Construction Financing: For businesses developing new properties, Huntington provides construction loans that cover the costs of land acquisition, construction, and project development. These loans are typically structured as short-term financing during the construction phase, with the option to convert to a permanent mortgage once the project is completed.
  • Refinancing: Businesses with existing commercial real estate loans can take advantage of Huntington’s refinancing solutions, allowing them to lock in lower interest rates, reduce monthly payments, or access equity in the property. The bank evaluates the business’s real estate portfolio and works to create a refinancing package that improves cash flow and reduces financing costs.
  • Commercial Real Estate Lines of Credit: Huntington offers lines of credit for businesses that need ongoing access to capital for real estate development or renovations. These lines of credit allow businesses to draw funds as needed, providing flexibility for ongoing projects or unexpected expenses.
  • Bridge Loans: For businesses transitioning between real estate transactions, Huntington provides bridge loans that offer short-term financing to cover the gap between selling one property and purchasing another. These loans offer quick access to capital and are ideal for businesses that need liquidity during real estate transactions.

Who Benefits from Commercial Real Estate Loans?

  • Real Estate Developers: Businesses developing new commercial properties or expanding their real estate portfolio benefit from Huntington’s construction financing and purchase loan options.
  • Owner-Occupied Businesses: Companies that own their office, retail, or industrial spaces can use Huntington’s real estate loans to finance property acquisitions or renovations.
  • Real Estate Investors: Investors seeking to grow their portfolio with commercial properties benefit from Huntington’s tailored loan options that support both short-term and long-term real estate strategies.

Why Choose Huntington for Corporate Lending?

Huntington National Bank’s corporate lending solutions are designed to meet the diverse and evolving needs of businesses, providing them with access to customized financing that supports growth, stability, and long-term success.

Key Benefits:

  1. Tailored Solutions: Huntington works closely with each business to design lending solutions that align with their specific financial goals and operational needs, whether through asset-based lending, corporate finance, or real estate loans.
  2. Competitive Rates: Huntington offers competitive interest rates and flexible repayment terms, ensuring that businesses can access the financing they need without straining their cash flow.
  3. Industry Expertise: Huntington’s team of corporate finance and real estate experts bring decades of experience, providing businesses with the guidance and support they need to make informed financial decisions.
  4. Comprehensive Services: Huntington provides a full range of lending solutions, from working capital loans to large-scale real estate financing, giving businesses the flexibility to manage both short-term needs and long-term growth.

Contact Information

For more information about Huntington National Bank’s Corporate Lending services, you can contact them via the following:

Huntington National Bank offers comprehensive and customizable corporate lending solutions, including asset-based lending, corporate finance, and commercial real estate loans. By partnering with businesses to understand their unique needs, Huntington delivers tailored financing options that help companies thrive and grow. Whether it’s securing working capital, financing an acquisition, or developing a new property, Huntington’s corporate lending services provide the support businesses need to achieve their financial goals.

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