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 $5MM to $100MM

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 $25MM
  • 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

$20MM Credit Facility Provides Flexibility to Specialty Printing Business

Gibraltar Delivers $15MM in Creative Financing for a Family-Run Distributor

Gibraltar Supports Acquisition and Growth for Pharmaceutical Distributor with $25MM ABL

Gibraltar Expedites Loan Closing for Baked Goods Manufacturer

Gibraltar Supports Logistics & Fulfillment Company with $10MM ABL

Gibraltar Provides $10MM ABL to Multi-Brand Beauty Products Company

Testimonials

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

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

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

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

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

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

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 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 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