A leading Midwest automotive parts manufacturer was preparing for one of the largest modernization projects in its history. The company planned to upgrade nearly every major production line with advanced robotics, automated material handling systems, precision machining centers, vision inspection technology, and integrated manufacturing software.
The total equipment investment exceeded $85,000,000.
The company's longtime commercial bank fully supported the project but faced regulatory lending limits and internal policy restrictions that prevented it from financing a transaction of this size and complexity. Rather than risk losing an important client or forcing the company to seek a new banking relationship, the bank turned to Commercial Funding Partners (CFP) and Equipment Leases (EQL) as its trusted institutional equipment finance partner.
CFP structured the complete financing package, allowing the manufacturer to move forward while the bank retained and ultimately strengthened its long-standing customer relationship.
This is exactly why our Bank Overflow Desk exists. We never compete for deposits, treasury management, or the primary banking relationship. Our role is to solve the equipment financing challenge so our banking partners can continue saying 'yes' to their best customers.
The manufacturer was investing heavily to remain competitive in an increasingly automated industry.
The project required financing to:
Replace multiple production lines simultaneously
Install advanced robotics and automated manufacturing systems
Minimize production downtime during installation
Preserve operating liquidity
Coordinate equipment purchases from multiple manufacturers
Complete an $85 million institutional financing package
Although the borrower was financially strong, the transaction exceeded the bank's lending authority and involved a level of complexity that fell outside traditional commercial banking programs.
The bank needed a financing partner, not a competitor.
Commercial Funding Partners collaborated directly with the bank and the client to develop a customized institutional equipment financing structure that funded the entire $85,000,000 project.
The financing solution included:
Complete institutional equipment financing
Customized financing structure for multiple production lines
Coordination of numerous equipment manufacturers and vendors
Flexible funding schedules aligned with installation milestones
A single financing source for the equipment portion of the project
Continuous communication with the referring bank throughout the transaction
Most importantly, CFP honored its commitment to the referring bank by protecting the existing banking relationship. Deposits, treasury management, operating accounts, and all traditional banking services remained with the bank.
$85,000,000 funded
Complete robotic manufacturing upgrade implemented
Multiple production lines modernized
Increased manufacturing capacity and efficiency
Preserved the client's banking relationship
Strengthening the bank's reputation as a trusted advisor
Allowing the manufacturer to remain focused on production rather than financing challenges
The manufacturer received the institutional capital necessary to complete its modernization project while continuing to work with the commercial bank it had trusted for years.
This transaction perfectly illustrates the value of CFP's Bank Overflow Desk.
Rather than competing with the bank, CFP became an extension of its commercial lending team. The bank maintained its primary relationship with a valued customer, the client received a complete financing solution for a highly complex project, and both organizations emerged with an even stronger partnership.
When the production lines were installed and operational, the manufacturer generated increased capacity, improved cash flow, and became an even stronger commercial banking customer than before the project began.
| Industry | Automotive Parts Manufacturing |
| Project | Enterprise-Wide Robotic Production Line Modernization |
| Amount Funded | $85,000,000 |
| Purpose | Robotics, Automation & Production Line Upgrades |
| Financing Structure | Customized Institutional Equipment Financing |
| Referral Source | Commercial Banking Partner |
| Outcome | Complete Project Funded While Preserving and Strengthening the Bank's Client Relationship |
