Asset-Based Lending from $2-20 Million

Gibraltar Business Capital provides stability during periods of transformation for lower mid-market businesses. Delivering quick access to working capital, we partner with businesses when banks and other funding sources are limited or too restrictive.

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We Provide

  • Facilities

    From $2 million to $20 million

  • Senior-Secured

    Revolving lines of credit and equipment term loans

  • Collateral-Driven

    Borrowing capacity with ability to provide stretch pieces

  • Greater Liquidity and Flexibility

    Than a traditional commercial bank loan

  • Financing for Companies With:

    • Limited operating history (early stage or corporate divestiture)
    • Negative cash flow (either pre-profit or distressed)
    • Sales fluctuations (cyclicality or seasonality)

Partner Video

In a recent client video interview, Michael Fleischman, Chief Financial Officer of Digital Remedy, shared how working with Gibraltar Business Capital provided them with the flexibility they need in a lender.

Gibraltar has Underwritten
$0 MM
in total commitments

More than
Borrowers Funded

Gibraltar works with private and public U.S. companies across all industries with target revenue between:

$10 MM – $100 MM

We are often a partner to help businesses that struggle with seasonal peaks and valleys in revenue or need to refinance their existing lender.

  • Acceptable Collateral:

    Accounts Receivable, Inventory, Machinery and Equipment

  • Transaction Types:

    Acquisition, Buyout, Refinance, Recapitalization or Growth

  • Special Situations:

    Beginning, Middle, or End of a Turnaround or Bankruptcy

Asset Based Lending

Gibraltar builds asset based revolving lines of credit and equipment term loans up to $20 million based on approved asset balances such as commercial accounts receivable, raw and finished goods inventory, and machinery & equipment. Our job is to provide a viable bridge – to extend a lifeline to companies that banks may not be comfortable with. The result is a powerful form of business financing that works for small to mid-market companies and their various stakeholders.

Case Studies

Buse Holdings

$4.5MM Credit Facility


$7.5MM ABL Line of Credit

Millard Lumber

$16MM Refinance

About Us

Deep Experience

Since our first client in 1951, we’ve built on our experience and secured a position as an asset-based lending industry leader.

Creative Solutions

We help business owners and their advisors execute on their plans, at their pace, no matter what the circumstance.

Reliable Capital

Our company is a portfolio company of billion-dollar specialty finance company Hercules Capital, Inc. (NYSE: HTGC) and is also backed by a line of credit from Wells Fargo Capital Finance.



“We started working with Gibraltar in 2013 to support our long term growth plans. Within the first few years working together, we grew revenue 8 times with their capital support. As we have grown and faced challenges along the way, we’ve felt no need to seek other lender support as our opportunities with Gibraltar always expand to fit our needs.” Kenneth Leonard, CEO, Sunburst Digital
“Financing had been challenging for us. We had never gone outside a traditional bank before and were a little apprehensive. But once we got connected with Gibraltar, they were right there, ready to come down and meet with us. They were interested in our story; where we’ve been and where we were hoping to go. They toured the facilities and asked really good questions. We really felt they understood our business.”Bill Carman, CFO, Cast Technologies
“Like many CEOs, one of my biggest concerns is how my lender will react to any unforeseen needs we might have as we build our business. The strength of the relationship between our two companies gives me the confidence that we can work through any challenges together, as partners, and with an aligned commitment to what’s best for True Health.” Chris Grottenthaler, CEO, True Health Diagnostics
“The Gibraltar team provided a creative, flexible and extremely articulate structure that furnished more liquidity. A successful closing in near-record time was comfortably achieved through the efficient focus and execution of the investment and diligence team.”Luke Blackwell, CFO, Horizon Mud