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Spotlight on Solutions | October 2024 Finding capital to fund growth: 3 real-life scenarios

How Truist helped three businesses reach their growth goals

Our Spotlight on Solutions series highlights three ways Truist relationship managers helped different businesses tackle a common challenge. It’s a great illustration of how our Truist Business Lifecycle Advisory approach centers on understanding your business inside and out—so we can offer the advice and solutions that best fit your specific needs.

Here, we focus on finding the right sources of capital to fuel your growth plans. It isn’t a one-size-fits-all undertaking. What works best for you depends on many factors, including the type of growth you’re planning, your business lifecycle stage, and your industry.

See how Truist relationship managers partnered with three businesses to find the right capital strategies for their growth plans.

Modernizing manufacturing for increased productivity

Challenge: The client needed to acquire funding to expand and renovate their manufacturing facility. They had ambitious goals of modernizing, adding equipment, creating efficiencies, and implementing on-site training. 

Insights: Truist needed to identify funding sources while working around potential complications.

  • Financing was complex because the client leased some parts of the property, owned others, and was buying some, too.
  • One parcel of land being acquired was not zoned commercial and needed to be removed from the deal.

Solution: After considering several loan options, Truist facilitated a New Markets Tax Credit (NMTC) transaction.

  • NMTC transactions provide a federal tax credit to investors who make equity investments in projects benefitting qualified low-income communities.
  • They can be used for soft costs, working capital, and equipment—diminishing the need for a loan.

Vertically integrating to maximize efficiency

Challenge: The owner of a resin distribution company had built up a solid client base and was interested in purchasing a commercial warehouse to package the company’s own product as one step toward vertical integration.

Insights: Communicating the transaction benefits to lenders was key to ensuring credit approval.

  • The client could source their own material and sell directly to customers.
  • In-house sourcing would help streamline operations and maximize efficiency.

Solution: Truist approved a term loan to purchase specialized commercial real estate property—a warehouse with rail access.

  •  Additional solutions included a revolving line of credit for working capital needs.
  • Truist also provided equipment financing. 

Growing both organically and strategically

Challenge: Truist was working with a client that needed to plan for multiple types of growth. They wanted to grow organically by increasing output and enhancing sales, while at the same time grow strategically by identifying asset purchases to expand into new geographies.

Insights: Truist needed to work within the client’s time constraints to secure credit.

  • The client wanted to move quickly.
  • Funding needed to be in place when rapid growth occurred or acquisition targets were identified.

Solution: Truist approved an asset-based revolving credit facility.

  • The credit was supported by the company’s accounts receivable and inventory and structured to easily upsize borrowing capacity as growth occurred.
  • Truist also approved various term loans to finance asset and equipment purchases.
  • A fuel hedging program helped manage commodity risk and budget expenses during growth.

Where do you want to grow next?

Talk to your Truist relationship manager about your company’s growth goals so they can help you explore funding options and connect you with the resources you need to get there.

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