Female plant manager reviewing inventory with financial advisor
Female plant manager reviewing inventory with financial advisor

you’ve got assets. we’ve got answers.

Your assets are more than collateral. They’re your success story.

Let’s start writing your success story by utilizing your assets. Some businesses can maximize debt capacity by using their assets instead of their cash flow. Asset-based lending (ABL) is a smart way to borrow, especially if seasonal or cyclical fluctuations or sudden growth are putting a strain on liquidity. We can help by leveraging your existing assets – accounts receivable, inventory, machinery, real estate – to give you borrowing power that costs less than conventional loans. ABL is often structured as a revolving line of credit, with typical terms extending from three to five years. As your assets grow, so can your credit facilities.

Financial advisor walking through manufacturing plant with client

Here for you with fast, honest answers

We know timing is everything, so we don’t keep you waiting around. We are able to provide indications of interest and leverage reads. Our assessment is delivered in a quick and transparent manner with a goal of having your funding in-hand within six to eight weeks. How did we get this good? Our team has decades of experience, a proven track record of helping lower-middle market companies in a variety of industries. You’ll have a local team you know and trust, from loan origination through managing different business cycles, because that’s just what good business partners do.

We believe in the unbelievable, and we’re here to help make it happen.

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Mergers & Acquisitions

Where others may see obstacles, we only see opportunities. As your business expands, we can leverage your assets to give you the extra cash you need or create a spilt lien capital structure for more flexibility. We evaluate your assets first through appraised market values and second on a qualitative basis to ensure you get the most lending power for them.

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Growth Capital

When you want to capitalize on an opportunity to grow, we are able to leverage your existing and future assets so you don’t miss any value creation opportunities.

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Refinancing or Recapitalizations

You might not be able to put a dollar sign on inspiration, but we can formulate the number of dollars, and loan structure, needed to realize yours. From required change to innovation, we’ll help you manage it just a little easier through refinancing or recapitalizations.

Meet our best assets

Portrait of Robert Nussbaum smiling

Robert Nussbaum, Managing Director, Structured Capital

“My clients know I’m straightforward and transparent, while also being understanding and responsive. I also believe in balancing life’s seriousness with a bit of humor. I enjoy the art of a well-placed pun and am constantly honing my ‘craft.’”

Robert has over 14 years of varied lending experience under his belt. From his time covering lower middle market and large corporate clients in roles ranging from underwriting to portfolio management to originations, he’s seen it all and leverages that experience for his clients.

Education:
B.S. Finance from Miami University

Call Robert: 513.458.6443
Email Robert: Robert.Nussbaum@bankatfirst.com

Taylor Materna headshot

Taylor Materna, Managing Director, Structured Capital

“Clients can always expect me to go the extra mile, as long as it's behind a desk. In my free time I consider myself a foodie, but my last meal on Earth would be a Big Mac.”

Taylor's varied experience at First Financial Bank includes roles in leveraged finance originations and leveraged finance portfolio management, as well as stints as a specialty credit underwriter and specialty credit analyst. Prior to joining the First Financial team, Taylor served as an account manager for a boutique commercial finance company.

Education:
B.S. Finance from Miami University

Call Taylor: 513.246.2194
Email Taylor: Taylor.Materna@bankatfirst.com

Dmitry Yeliseev headshot

Dmitry Yeliseev, CFA, Managing Director, Structured Capital & Financial Sponsors

Dmitry brings over 20 years of commercial banking and capital markets experience. His deep knowledge, understanding and connectivity in the private equity universe will help build out and lead the growing effort by First Financial around financial sponsors activity and deal opportunities. Prior to joining First Financial Bank, Dmitry spent 20 years with Fifth Third, where he was founding member and senior coverage banker with Financial Sponsors Group at Fifth Third Capital Markets.

Education:
B.S. Science from Roosevelt University
MBA Finance from Roosevelt University

Call Dmitry: 248.821.0921
Email Dmitry: Dmitry.Yeliseev@bankatfirst.com

Our recent deals

Don’t take our word for it. Here’s the proof we know how to help businesses succeed.

$31,000,000

  • CONSTRUCTION SERVICES COMPANY
  • REVOLVING LINE OF CREDIT

$25,000,000

  • HEAVY EQUIPMENT RENTAL AND MANUFACTURING
  • REVOLVING LINE OF CREDIT

$4,500,000

  • UTILITY INDUSTRY EQUIPMENT MANUFACTURER AND DISTRIBUTOR
  • SENIOR-SECURED CREDIT FACILITIES
  • SOLE LENDER

Since 2016 we’ve committed over $435 million to help 40+ businesses reach their goals.

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Manufacturing

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Wholesale & Distribution

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Business Services

Want us to make the first move, instead?

Getting a line of credit or term loan isn’t an overnight decision. There are lots of options to consider and each comes with unique questions.

But don’t worry, we’ve seen it all and can help you through it.

We offer any option a business needs:

  • Revolving lines of credit
  • Term loans
  • Delayed draw term loans
  • Equipment financing
  • Interest rate risk management
  • Foreign exchange risk management
  • Treasury services

Drop us a line here by submitting the form and someone will be in touch with you soon.

 








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Frequently asked questions

An asset-based loan is a loan secured by certain tangible assets on a percentage of the value of those assets. When a business does not qualify for conventional financing due to its credit profile or cash flows, asset-based loans may be an option. While a business’s financial performance is a consideration in underwriting an asset-based loan, the primary source of repayment and focus are the company’s assets.

All loans subject to credit review and approval.

Fees may apply.  Contact us for further detail.