Equipment Leasing and Finance Association - Equipping Business for Success

TCF CAPITAL SOLUTIONS, A DIVISION OF TCF NATIONAL BANK 11100 Wayzata Blvd Suite 801 Minnetonka, MN 55305 http://www.tcfbank.com Robert Stark (Primary Contact) (763) 287-7509 (Phone) none given (Mobile) bob.stark@channelpartnersllc.com Robert Stark (Alternate Contact) (763) 287-7509 (Phone) bob.stark@channelpartnersllc.com

Last Update: 07/20/2021

TCF Capital Solutions, a division of TCF National Bank is a: Buyer, Seller

Type of Company:

Bank

The company's core business focus:

Desire upper middle market credits or better. Actively looking to purchase small ticket lease portfolios.

Type of FundingSource/Buyer

Lender

Source of Funds

Annual Volume Funded

500-600 Million

Individual Transaction Size

The range of transactions the company will fund/purchase:

Highest	$20,000,000.00
Average	$150,000.00
Lowest	$50,000.00

Lease Structures

Conditional Sale/Money-Over-Money Debt Tax-Exempt Municipal Lease Operating Lease Sale/Leaseback TRAC Vendor Finance

Lease Terms

Longest	120 months
Average	48 months
Shortest	12 months

Funding/Buyer Programs

The company provides these types of financing:
Buy Paper: Our Documents Only
Buy Paper from Leasing Comp
Discount-Nonrecourse
Discount-Recourse
Equity/Purchase of Tax-Orient
Fund Leases as a Group
Fund Leases Individually
Inventory Financing/Floor Plan
Tax-Exempt Municipal Leasing
Purchase Portfolios
Progress Payments
Residual Financing
Residual Sharing

Our company DOES originate paper.
We DO syndicate or sell paper. Details: We sell transactions from $200,000 to $5,000,000.

Syndications / Portfolios:

Equipment Types

	Prefer	Will	Will Not	Not Specified
Agricultural	•	•
Aircraft		•
Automobile			•
Broadcast/Video		•
Buses		•
Cable/Communications		•
Construction	•	•
Emergency Vehicles	•	•
Furniture/Fixtures		•
Gaming			•
Graphic Arts	•	•
Intermodal		•
Laundry/Drycleaning		•
Machine Tool	•	•
Marine	•	•
Material Handling	•	•
Medical	•	•
Mining			•
Modular Buildings			•
Oil and Gas			•
Packaging/Plastics		•
Project Finance			•
Rail		•
Real Estate			•
Recreation/Fitness		•
Recycling	•	•
Renewable Energy		•
Restaurant		•
Retail				•
Software		•
Technology		•
Trucks and Trailers	•	•
Utility		•
Waste Removal	•	•

Credit Criteria

Percentage of fundings/purchases (by equipment cost) from:

Investment Grade	5%
Near Investment Grade	20%
Middle Market	60%
Lower Middle Market	15%
HLT	0%
Start-ups/Venture	0%
Taxes Exempt Leasing	0%
Municipal/Government	0%
Other	0%

Our Company is a(n):

Credit Lender

Special Requirements

The Minimum Credit Criteria of Obligors: Soft Asset Policy: Yes - for very strong credits TCFEF will consider software and soft asset transactions. Industries Most Interested in Funding/Purchasing: Agriculture, Capital Markets, Commercial Marine, Construction, Waste Collection, Recycling, Environmental Services, Franchise Finance, Golf, Healthcare, Homecare, Manufacturing, Printing & Packaging, Ambulance, Funeral Vehicles, Motorcoach, Shuttle & School Bus Equipment, Tire Service Vehicles, Tow & Recovery, Technology & Office Equipment. We are generalists and give more emphasis to credit quality. Industries Will Not Fund/Purchase From: Low tolerance industries include: Internet Service Providers, Gaming, Hazardous Waste, Mining, Lodging, Real Estate Developers, Subprime Lenders, Securities Broker/Dealers. Lessor and/or Broker Requirements: * Only originators. * Full notification of assignment acknowledged by lessee. * TCFEF to bill and collect assigned payments. * Minimum of $5 million in first year fundings with growth potential. * Regular flow of deals. * Mutual fit between originator's and TCFEF's core business. * Financing within specialized niches * Vendor and/or lessee channels

ELFA Business Councils

Financial Institution Small Ticket Captive and Vendor Finance

Start of Fiscal Year

January