Asset Based Lending | Business Financing

Asset-Based Lending Examples & Guidelines

Gibraltar is your asset-based lending partner, whether you’re a lower middle-market business in transition or a financial sponsor looking for support in growing your portfolio businesses. We serve customers across the U.S. by listening to their needs and finding innovative ways to tailor a capital solution that really works for them. And we offer more than promises; we offer a reputation that makes us very proud — for caring, reliable, and swift response. That reputation is the combined voices of the companies that have benefitted from our support over the last 65 years.

If you are interested in learning more about how Gibraltar can assist you, please contact or call us today.

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Asset-Based Loans from $3MM to $20MM

Types of Collateral

  • Accounts receivable
  • Inventory
  • Machinery & equipment
  • Real estate

Financing for companies with:

  • Limited operating history — early stage or divestiture
  • Negative cash flow — pre-profit or distressed
  • Sales fluctuations — cyclical or seasonal

Transaction Types

  • Acquisition
  • Restructuring
  • Refinance
  • Recapitalization
  • Growth

Typical borrower profile:

  • Public & private U.S. companies
  • Revenues in excess of $15MM
  • Manufacturers, distributors, e-tailers, service companies, and others

Industry Expertise

At Gibraltar, we have experience and deep expertise in many industries. A company that understands your industry is better equipped to assess the value of your assets, such as accounts receivables with industry-standard terms or specialized machinery and equipment. It also enables us to see the potential in your individual business more clearly. Our understanding can result in more liquidity for you, and that can make all the difference.

Case Studies

Gibraltar Provides Steel Fabricator Improved Liquidity with $5MM ABL

Gibraltar Provides $5MM in Stable Liquidity for Socially Conscious Innovator

Gibraltar Provides $20MM Acquisition Financing to Sponsor-Backed Farm Supply Company

Gibraltar Provides Growth-Enabling Credit Facility to Manufacturer of Water Treatment and Disinfection Technologies

Gibraltar Supports Sustainability-Focused Paper Manufacturer with $7.5MM

Gibraltar Provides Quick Path to $5.5MM Working Capital Financing

Testimonials

The Gibraltar team provided an extremely flexible structure that furnished more liquidity. A successful closing in near-record time was comfortably achieved through the efficient focus and execution of the credit team.

Luke Blackwell
Horizon Mud

We aren’t just another line of credit to them. Gibraltar is interested in understanding the business and developing a partnership rather than just having a lending relationship.

Drew Cook
PACT

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

Gibraltar not only showed creativity in terms of inventory valuation, but they also understood our business plans, taking other factors into account like planned expense reductions from shared services consolidation.

Chris Bossola
Need Supply

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