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Gibraltar Business Capital

Asset Based Lending | Business Financing

MENUMENU
  • About
    • Leadership
    • Sales Team
    • Credit Team
    • Operations Team
    • Finance Team
  • Asset-Based Lending
    • Financing Guidelines
  • Partnerships
    • Company Borrowers
    • Financial Sponsors
    • Other Advisors
  • Case Studies
  • Blog
  • Contact

Asset-Based Lending with Gibraltar

Gibraltar Business Capital works with public and private U.S. lower-middle-market companies across all industries to meet capital needs up to $100 million. We build asset based revolving lines of credit and equipment term loans based on approved assets, including commercial accounts receivable, raw and finished goods inventory, machinery & equipment, and commercial real estate.

Have questions about how ABL could work for you? Our expert sales team is ready to answer them.

Sales Team

What is Asset-Based Lending and How Does it Work?

In contrast to commercial loans that are based primarily on financial ratios heavily driven by company profit and loss, asset-based lending focuses on the value of a company’s assets to establish credit availability. In other words, asset-based lending allows you to tap into the value of your assets to get the capital you need, even when your current financial picture isn’t as strong as banks require.

Various company assets can be leveraged as collateral, including accounts receivable, inventory, and machinery and equipment. Asset-based lines of credit are calculated on a “borrowing base” of the value of all your eligible assets and an advance rate that varies by the type of collateral.

Once you have your line of credit, your company can borrow as much or as little as it needs, whenever it needs to, up to your limit. Your line of credit will also offer flexible payment and re-borrowing options.

Types of Asset Based Lending

  • Accounts receivable financing
  • Inventory financing
  • Equipment and machinery financing
  • Commercial real estate financing

Common Circumstances

  • Temporary sales downturns
  • Industry upheavals
  • Seasonal sales fluctuations
  • Acquisitions
  • Turnarounds
  • Need for quick expansion
  • Growth opportunities
  • Refinancing and bridge loans

Why Choose Gibraltar?

Deep experience. Creative solutions. Reliable capital. We help business owners and their advisors execute on their plans, at their pace, no matter what the circumstance. Click on the video to the right to hear directly from Gibraltar’s EVP and Head of Sales, Anthony DiChiara, regarding the Gibraltar difference.

Costs vs. Benefits of Asset-based Loans

Costs can be higher for ABL credit and you may need to have regular evaluations of your asset values, but this type of alternative financing can help companies manage their finances through a transitional period. You’ll need to weigh the cost and benefits for your company’s special circumstances.

One of the largest benefits offered by Gibraltar is industry expertise. A company that understands your business is better equipped to assess the real value of your assets and also see the potential in your business. This can result in a larger credit facility, and that can make all the difference in meeting payroll, buying supplies, or investing in growth initiatives.

Timing also can be a consideration, especially if you’re looking for funds to meet a short-term or immediate challenge. The regulations banks must follow can lead to longer turnaround times. Also, banks often have complicated committee approval processes. Gibraltar’s accessible decision makers can be more agile in providing timely approvals.

Advantages of Flexible Lending

Because they are regulated differently from traditional lenders, non-traditional lenders like Gibraltar Business Capital can also offer more flexibility in structuring asset-based loans. Banks typically have tighter restrictions on loan limits, liquidity levels, repayment schedules, and other special covenants. They have less leeway to forgive performance hiccups and sales fluctuations, or to deal with the challenges of high-risk industries, atypical customer concentrations, or anything outside the box, including some types of collateral like unbilled accounts receivables.

Without these restrictions, Gibraltar is able to craft effective financing solutions to many special situations and help a variety of companies that are not eligible for traditional loans. How can we help you?

Asset-Based Lending Resources

Whether you are a CFO, company owner, or financial sponsor, we have resourceful materials that can help you better understand our product and industry. Download one of our product or industry guides today.

Gibraltar Business Capital and Financial Sponsors — Partnerships That Work
A Guide to Achieving the Benefits of Asset-Based Lending
A CFO’s Quick Guide to Asset-Based Lending
What CFOs Should Know About Asset-Based Lending

Why Gibraltar Business Capital?

DEEP EXPERIENCE

CREATIVE SOLUTIONS

RELIABLE CAPITAL

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

Meet Our Team

Testimonials

The level of diligence the entire team at Gibraltar took to understand our business’ strategic plan gave us the confidence that GBC was the right partner to help us achieve our short and long-term growth objectives.

Paul Duquette
Ideal Steel

We couldn’t have experienced this level of growth without Gibraltar’s understanding of the world we operate in and their ongoing willingness to problem-solve our challenges and opportunities.

Robert Cuddihy
True Citrus

The Gibraltar team took the time to understand our unique business and crafted a creative solution that enabled us to continue to grow during these unprecedented times.

Kevin Keenley
Fundamental Capital

Gibraltar’s track record and stability makes us feel confident that we can look to them for the liquidity we need not only now, but in future years.

David Lacy
Cora

Gibraltar has consistently proven to be a great partner. The current management team started working with Gibraltar shortly after our arrival at SunTree roughly three years ago. We made major adjustments to the business strategy which required an understanding lending partner. These adjustments, along with the financing support of Gibraltar, have enabled the business to continue its aggressive growth trajectory.

Jeff Vogel
SunTree Snack Foods

The team at Gibraltar has demonstrated their sincere interest and willingness to partner with Clearon through a truly transformational period in the company’s 60-year legacy.

Bryan Kitchen
Clearon Corp

We have found the Gibraltar management team to be sincerely interested in learning about and understanding our business and markets. The team crafted financing specific to our situation that provided us the flexibility to pursue our business goals. On top of that, the Gibraltar team is readily accessible and friendly to work with.

Kevin Vorhees
Spokane Industries

The relationship built from day one between our management team and GBC’s credit team gave us the comfort that the partnership would deliver what was promised. GBC’s team took the time to build trust and demonstrate their reliability as a financing partner that could understand the needs of a growth-oriented business.

Bill Rotolo
Rotolo Consultants

We are pleased to partner with Gibraltar. The team provided a financing structure that delivered the flexibility we need to navigate the complexities of restarting a paper manufacturing facility under new ownership.

Susan Cruz
Willamette Falls Paper Company

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Contact Us

224-235-4551
info@GibraltarBC.com
400 Skokie Blvd #375 Northbrook, IL 60062

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  • About
    • Leadership
    • Sales Team
    • Credit Team
    • Operations Team
    • Finance Team
  • Asset-Based Lending
    • Financing Guidelines
  • Partnerships
    • Company Borrowers
    • Financial Sponsors
    • Other Advisors
  • Case Studies
  • Blog
  • Contact

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