We Provide
Facilities
From $500K to $20 million with capability to syndicate
Senior-Secured
Revolving lines of credit and equipment term loans
Greater Liquidity and Flexibility
Than a traditional commercial bank loan
Collateral-Driven
Borrowing capacity with ability to provide stretch pieces
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)
Gibraltar works with private and public U.S. companies across all industries with target revenue between:
$5 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
Invoice Factoring
Factoring, also known as invoice financing or accounts receivable financing, is a simple and easy financing alternative that turns receivables into cash. Instead of having to wait 60 days to get paid, factoring allows you to get paid today, immediately improving cash flow. Compared to traditional factoring which is invoice specific and subject to discount charges that are confusing, our factoring product operates as a revolving Accounts Receivable line of credit and is transparently priced.
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Asset Based Lending
Gibraltar builds asset based revolving lines of credit and equipment term loans up to $10 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.
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Staffing Factoring
Gibraltar Business Capital has experience managing the financial needs and factoring for staffing companies across a wide range of industries including temporary staffing, IT staffing, warehouse staffing, light industrial staffing and others. Whether your agency needs working capital to hire new talent, maximize a marketing opportunity, or extend client payment terms, factoring allows staffing companies to convert unpaid invoices into cash today.
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Case Studies
Direct Communication Solutions
$1MM AR Line of Credit
enherent Corp.
$2.5MM AR Line of Credit
Connor Corp.
$4MM Asset Based Lending
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.
Named by Inc. Magazine as one of America’s Fastest-Growing Private Companies.
Testimonials
“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
“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