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# Gibraltar Business Capital: Asset Based Lending | Business Financing

## Sitemaps
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## Posts
- [What a Term Sheet Can’t Tell You](https://www.gibraltarbc.com/blog/what-a-term-sheet-cant-tell-you/): Picture it: two term sheets on the table. Both lenders are telling you they understand your business, want to be your partner, and can get you where you need to go. But one has a rate that beats the other or terms the other can’t meet. When comparing the two on paper, it’s a no-brainer, right?
- [What the Funding (WTF!?): Mailchimp](https://www.gibraltarbc.com/blog/what-the-funding-wtf-mailchimp/): Imagine building a $12 billion company without ever taking a single dollar from an outside investor. No venture capital, seed funding, or angel rounds. Just two guys, a side hustle, and a chimpanzee.
- [Gibraltar Business Capital Closes $12.5M Revolving Credit Facility with Sharebite](https://www.gibraltarbc.com/blog/gibraltar-business-capital-closes-12-5m-revolving-credit-facility-with-sharebite/): Northbrook, IL – May 27, 2026. Gibraltar Business Capital (GBC) has closed a $12.5M senior secured revolving credit facility for Sharebite, Inc., the leading enterprise meal benefits platform headquartered in New York, NY. The new facility refinances Sharebite’s existing credit facility and provides additional working capital flexibility to support the company’s continued growth, technology investments, and innovation initiatives.
- [What the Funding (WTF!?): Airbnb](https://www.gibraltarbc.com/blog/what-the-funding-wtf-airbnb/): When you think of Airbnb, does home-sharing and vacation rentals come to mind? Or do you think of hot glue guns and $40 boxes of cereal? If the latter has you scratching your head in confusion, stay with us. We’ll explain.
- [What the Funding (WTF!?): Pet Rock](https://www.gibraltarbc.com/blog/pet-rock/): Pets. They steal our hearts, hog the blankets, and somehow always claim the best seat on the couch. Dogs, cats, fish, birds, reptiles… we love them all. But in 1975, one man looked at the entire pet industry and said, “No thanks!” Then he sold a rock and became a millionaire.
- [Gibraltar Business Capital Structures $35MM Funding for Acquisition of American Furniture Manufacturing by SouthWorth Capital Management](https://www.gibraltarbc.com/blog/gibraltar-business-capital-structures-35mm-funding-for-acquisition-of-american-furniture-manufacturing-by-southworth-capital-management/): Northbrook, IL – April 2, 2026. Gibraltar Business Capital (GBC) has finalized a $35MM senior secured facility for American Furniture Manufacturing (AFM) in support of the company’s acquisition by SouthWorth Capital Management (SCM). Founded in 1998 and headquartered in Ecru, MS, AFM is an assembler of upholstered furniture for sales to big box and independent furniture retailers and wholesalers.
- [Deal or No Deal: LiveBarn](https://www.gibraltarbc.com/blog/deal-or-no-deal-livebarn/): If you’re at the table, would you take the deal… or walk away?
- [Against All Odds: 5,126 Moments of Resilience](https://www.gibraltarbc.com/blog/against-all-odds-5126-moments-of-resilience/): Success comes in many forms, sometimes loud and immediate. Other times, it’s quiet, made up of thousands of small failures that lead to a breakthrough. That was the case for James Dyson.
- [The Milestones That Matter: Prodigy Health](https://www.gibraltarbc.com/blog/the-milestones-that-matter-prodigy-health/): While most financing stories celebrate the closing of a deal, at Gibraltar Business Capital we also value another important milestone: when a client achieves independence and no longer requires our support.
- [Deal or No Deal: Bowie and the Bowie Bonds](https://www.gibraltarbc.com/blog/deal-or-no-deal-bowie-bonds/): If you were in the room, would you take the deal… or walk away?
- [Gibraltar Business Capital Supports Leading Consumer Products Company’s Next Stage of Growth with $20MM Senior Secured Facility](https://www.gibraltarbc.com/blog/gibraltar-business-capital-supports-leading-consumer-products-companys-next-stage-of-growth/): Northbrook, IL – January 26, 2026. Gibraltar Business Capital (GBC) has completed a $20MM senior secured facility for a portfolio company (the “Company”) of a premier private equity firm (the “Sponsor”). This financing provides additional working capital to support the Company’s continued operational momentum and strategic investments for its next phase of growth.
- [A Strong Finish to 2025, A Stronger Start to 2026](https://www.gibraltarbc.com/blog/a-strong-finish-to-2025-a-stronger-start-to-2026/): As we wrap up 2025, all of us at Gibraltar Business Capital want to start with a simple message: thank you.
- [Gibraltar Business Capital Delivers $15MM Senior Secured Facility to Bolster Sampa USA’s Expansion](https://www.gibraltarbc.com/blog/gibraltar-business-capital-delivers-15mm-senior-secured-facility-to-bolster-sampa-usa-expansion/): After several years of steady growth and a recent expansion into additional distribution centers across the U.S., Sampa recognized the need for a more flexible capital structure to support its scaling operations. The company sought a lending partner who could provide greater borrowing capacity against inventory and receivables, and strengthen its working capital position. GBC offered the structure and partnership Sampa needed, providing a revolving credit facility suited to continued growth and profitability.
- [Gibraltar Business Capital Provides $22MM Senior Secured Facility to Monterey Mushrooms](https://www.gibraltarbc.com/blog/gibraltar-business-capital-provides-22mm-senior-secured-facility-to-monterey-mushrooms/): Gibraltar Business Capital (GBC) has closed a $22MM senior secured facility for Monterey Mushroom Holdings, LLC, the parent company of Monterey Mushrooms, a leading vertically integrated breeder, producer, packer, and shipper of fresh mushrooms in the United States. The financing supports the company’s ongoing working capital needs and strategic capital investments.
- [Beyond Cash Flow: ABL Continues to Gain Traction in 2025](https://www.gibraltarbc.com/blog/beyond-cash-flow-abl-continues-to-gain-traction-in-2025/): In 2025, business leaders across boardrooms, private equity, and C-suites are recognizing that traditional, cash-flow-based lending doesn’t always fit today’s market needs. The rigidity and checklist-driven requirements of conventional loans are giving way to more creative and partnership-based approaches. At the forefront is asset-based lending (ABL), with non-bank lenders leading the way in adapting to business complexities and economic fluctuations.
- [Gibraltar Business Capital Participates in $550MM Syndicated Credit Facility for Wilbur-Ellis Holdings](https://www.gibraltarbc.com/blog/gibraltar-business-capital-participates-in-550mm-syndicated-credit-facility-for-wilbur-ellis-holdings/): Gibraltar Business Capital (GBC) is pleased to have participated in a $550 million senior secured asset-based credit facility for Wilbur-Ellis, a leading distributor and manufacturer serving the North American agriculture and food systems sector. The facility is part of a broader recapitalization and capital raise of nearly $1 billion aimed at enhancing the company’s liquidity and operational flexibility.
- [Gibraltar Business Capital Expands Prodigy Health’s Line of Credit to $35MM](https://www.gibraltarbc.com/blog/gibraltar-business-capital-expands-prodigy-healths-line-of-credit-to-35mm/): Gibraltar Business Capital (GBC) has increased its asset-based line of credit for Prodigy Health, a rapidly growing specialty pharmaceutical distributor, marking the latest milestone in a partnership characterized by thorough diligence, innovative structuring, and a commitment to client success.
- [Beyond the Template: The Creativity, Diligence, and Expertise Behind Client-Centric Underwriting](https://www.gibraltarbc.com/blog/beyond-the-template-the-creativity-diligence-and-expertise-behind-client-centric-underwriting/): By S. N. Thomas, Head of Underwriting
- [Gibraltar Expands Business Development Team with Midwest SVP, Andrew Gustin](https://www.gibraltarbc.com/blog/gibraltar-expands-business-development-team-with-midwest-svp-andrew-gustin/): Gibraltar Business Capital is pleased to announce that Andrew Gustin has joined as SVP of our Midwest Region. Andrew will lead origination activities across the Midwest to support GBC’s strategic expansion, offering asset-based loans between $10MM and $100MM to businesses looking for non-dilutive capital.
- [Gibraltar Business Capital Adds Two ABL Veterans to Its Sales Team](https://www.gibraltarbc.com/blog/gibraltar-business-capital-adds-two-abl-veterans-to-its-sales-team/): Gibraltar Business Capital is excited to share that it has strengthened its commitment to providing asset-based loans to middle-market companies by adding two industry veterans to its sales team.
- [Gibraltar Business Capital Provides $12MM Credit Facility to Global Manufacturer](https://www.gibraltarbc.com/blog/gibraltar-business-capital-provides-12mm-credit-facility-to-global-manufacturer/): Rigid terms or restrictive covenants are common challenges businesses face with traditional bank lending. This was the case for Hayes Performance Systems, a sponsor-backed business seeking more liquidity.
- [Deal Minded Employee Spotlight: Joe Messineo](https://www.gibraltarbc.com/blog/deal-minded-employee-spotlight-joe-messineo/): We recently met up with Joe Messineo, senior vice president of the Northeast Region, at Gibraltar Business Capital (GBC) to share his perspective on what makes GBC different, how the industry has evolved, how the company has adapted, and what he enjoys most about his role.
- [Formetco Secures $15MM Credit Facility and Renews Gibraltar Business Capital Partnership](https://www.gibraltarbc.com/blog/formetco-secures-15mm-credit-facility-and-renews-gibraltar-business-capital-partnership/): Formetco, founded in 1968 and headquartered in Duluth, GA, is an innovative developer of digital and hardware products for the outdoor advertising industry and a market leader in designing, manufacturing, and installing LED digital billboards, legacy bulletin, and tri-face billboards. Formetco Sports, a business unit of Formetco, is a market leader in designing, manufacturing, and installing digital LED displays and other products that enhance the game day experience for High Schools, Colleges, and Professional Sports venues across the United States. In 2024, to accommodate its rapid growth, the company invested in an expansion by opening a 175,000-square-foot digital manufacturing facility in Suwanee, GA.
- [Gibraltar Expands ABL Facility for Pharmaceutical Distributor to $30MM](https://www.gibraltarbc.com/blog/gibraltar-expands-abl-facility-for-pharmaceutical-distributor-to-30mm/): Gibraltar prides itself on longstanding financing partnerships, as demonstrated by its recent collaboration with existing customer Prodigy Health. GBC recently increased its asset-based loan facility to $30MM, further supporting Prodigy Health's growth.
- [2024 Year in Review: A Year of Growth for GBC](https://www.gibraltarbc.com/blog/2024-year-in-review-a-year-of-growth-for-gbc/): Reflecting on 2024, one word defines GBC's journey: Growth. This was highlighted by our business development team expansion, new and continued partnerships, and key wins with both new and existing clients.
- [Gibraltar Business Capital Provides $13MM to Integrated Beverage Group](https://www.gibraltarbc.com/blog/gibraltar-business-capital-provides-13mm-to-integrated-beverage-group/): Integrated Beverage Group (“IBG”), a Denver-based national marketer of branded wine and spirits and a top wine producer in Oregon, required a financing partner to provide more liquidity than its current bank working capital line of credit. IBG sells to various distributors, who sell to retailers such as Publix, Costco, and Trader Joe’s. The Company also sells wine directly to consumers through its wine clubs and tasting room.
- [Gibraltar Business Capital Provides $12.5MM to Disruptive Consumer Goods Company](https://www.gibraltarbc.com/blog/gibraltar-business-capital-provides-12-5mm-to-disruptive-consumer-goods-company/): Starco Brands (STCB), which has five brands under one company umbrella, has been actively expanding its offerings by inventing and acquiring behavior-changing brands and technologies, including Soylent Nutrition, Skylar Body, Art of Sport, Whipshots, and Winona.
- [Gibraltar Business Capital Provides Asset Based Revolver to a Family Office-Owned Inspection and Testing Solutions Provider](https://www.gibraltarbc.com/blog/gibraltar-business-capital-provides-asset-based-revolver-to-a-family-office-owned-inspection-and-testing-solutions-provider/): Aegeus Group has over 40 years of experience in advanced non-destructive testing, inspection, engineering, and staff augmentation solutions. The company serves diverse markets, including oil & gas, power, renewable energy, defense and aerospace, civil and building infrastructure, food and beverage, and other manufacturing companies. Aegeus was acquired in mid-2023 by Ten Oaks Group, a family office exclusively focused on investing in corporate divestitures. After initiating a significant operational restructuring, the sponsor sought a lending partner that could structure an asset-based revolver that would provide maximum flexibility to support the continued turnaround and growth of the company while concurrently providing ample liquidity to make future acquisitions.
- [Gibraltar Spotlight: Company Values in Action with Lucica Cucu](https://www.gibraltarbc.com/blog/gibraltar-spotlight-company-values-in-action-with-lucica-cucu/): Our people and our culture set Gibraltar apart in the asset-based lending industry. A few years ago, we went through an exercise to redefine our company values. Gibraltar’s core values - Authentic, Reliable, and Thoughtful - are now the cornerstone for maintaining a strong company culture and best serving our clients and business partners.
- [Digital Billboard Designer and Manufacturer Shares Gibraltar’s Role in Its Growth](https://www.gibraltarbc.com/blog/digital-billboard-designer-and-manufacturer-shares-gibraltars-role-in-its-growth/): When companies seek to expand or confront challenges requiring adaptable and responsive financing, Gibraltar Business Capital (“GBC”) stands ready to provide a solution. Our financing partnerships are more than just providing funds; they are also about deeply understanding borrower businesses, devising innovative strategies to unlock liquidity, and guiding companies toward their goals. We focus on positioning our clients for a wider range of financing options, including a return to traditional bank financing when the time is right.
- [Asset-Based Lending for the Consumer Products Industry](https://www.gibraltarbc.com/blog/asset-based-lending-for-the-consumer-products-industry/): Consumer products companies face unique challenges impacting cash flow and their ability to quickly adapt to the ebb and flow of sales demand, supply chain issues, or other market forces. Many companies enjoy growth opportunities that require more flexible capital, such as gearing up for increased consumer demand, a large new customer, or investing in a new product or service.
- [Gibraltar Business Capital Provides $20MM to Second-Generation Honey Company](https://www.gibraltarbc.com/blog/gibraltar-business-capital-provides-20mm-to-second-generation-honey-company/): GloryBee Natural Sweeteners, a family-owned business based in Oregon, is dedicated to ethically sourcing, processing, and packing high-quality honey and other sweeteners primarily used as ingredients. The company, having invested in a state-of-the-art manufacturing facility and national expansion, needed a lender that could move quickly to refinance existing bank debt and provide additional liquidity to maximize growth opportunities.
- [Gibraltar Expands Business Development Team with Northeast SVP, Joe Messineo](https://www.gibraltarbc.com/blog/gibraltar-expands-business-development-team-with-northeast-svp-joe-messineo/): Gibraltar proudly welcomes Joe Messineo to its expert business development team as SVP, Northeast region. Joe will play a critical role in leading originations across the Northeast as the company continues to capitalize on demand for non-bank financing solutions.
- [Gibraltar Business Capital Provides $18MM to Sponsor-Backed Value-Added Distributor and Processor of Nuts and Bulk Products](https://www.gibraltarbc.com/blog/gibraltar-business-capital-provides-18mm-to-sponsor-backed-value-added-distributor-and-processor-of-nuts-and-bulk-products/): American Nuts, a sponsor-backed company, was referred to Gibraltar Business Capital (GBC) for its strengths in working with financial sponsors. American Nuts is a California-based, vertically integrated importer and processor of nuts, seeds, dried fruit, and other bulk products to industrial and retail customers. The company also provides category management and merchandising services to grocery customers through its value-added distribution arm.
- [DealMinded Employee Spotlight: Mike Conrad](https://www.gibraltarbc.com/blog/dealminded-employee-spotlight-mike-conrad/): In his nearly eight years with Gibraltar Business Capital, Michael Conrad, senior vice president, business development officer, and team leader, has seen first-hand what it takes to provide businesses with innovative financing terms. Mike joined Gibraltar after a 25-year banking career, primarily at Wells Fargo and Bank of America. He is responsible for originations in the Mid-Atlantic and Southeast regions and has originated many of the company’s successful financing partnerships. His most recent transaction closed was for Dynatronics, a publicly traded designer and manufacturer of orthopedic supplies and equipment.
- [Gibraltar Provides $27.5MM Credit Facility to Home Organizational Products Supplier](https://www.gibraltarbc.com/blog/gibraltar-provides-27-5mm-credit-facility-to-home-organizational-products-supplier/): Gibraltar Business Capital (“Gibraltar”) is proud to announce the closing of a $27.5MM senior secured revolving credit facility with Whitmor, Inc. (“Whitmor”), a successful fourth-generation family-owned-and-operated business founded in 1946.
- [Gibraltar Backs Revolution Foods with $21MM](https://www.gibraltarbc.com/blog/gibraltar-backs-revolution-foods-with-20mm/): Gibraltar Business Capital (GBC) is pleased to announce the closing of a $21MM senior secured credit facility in support of Revolution Foods. The facility will provide additional liquidity for the continued development of the company’s vision.
- [Cultivating Reliable ABL Partnerships: A Private Equity Perspective](https://www.gibraltarbc.com/blog/cultivating-reliable-abl-partnerships-a-private-equity-perspective/): At Gibraltar, we’ve often discussed the creativity and flexibility of our asset-based lending (ABL) solutions. Another core component we have built into our DNA is nurturing long-standing relationships with the financial sponsor community built on trust, transparency, and reliability.
- [Unlocking Flexible Capital: Three Strategic Tips for Engaging with Asset-Based Lenders](https://www.gibraltarbc.com/blog/unlocking-flexible-capital-three-strategic-tips-for-engaging-with-asset-based-lenders/): The true value of asset-based lending (ABL) is rooted in its creativity and flexibility.
- [Gibraltar Provides $13MM to Custom Game Manufacturer USAopoly](https://www.gibraltarbc.com/blog/gibraltar-provides-13mm-to-custom-game-manufacturer-usaopoly/): Traditional, regulated lending environments are often too restrictive for the evolving needs of certain businesses, including those impacted by seasonal fluctuations. Consequently, in preparation for their upcoming peak season, the team at USAopoly sought a more adaptable solution to their financing needs – and quickly.
- [Gibraltar Business Capital Provides $26.4MM in Acquisition Financing](https://www.gibraltarbc.com/blog/gibraltar-business-capital-provides-26-4mm-in-acquisition-financing/): Continuing its strong reputation for being a preferred ABL partner for sponsor-backed transactions, GBC has strengthened its relationship with a private equity group that acquired a leading North American supplement manufacturer.
- [Private Equity Financing in the Evolving Market Landscape](https://www.gibraltarbc.com/blog/private-equity-financing-in-the-evolving-market-landscape/): Long-term financing partnerships with other capital providers can help private equity firms command any market condition. One of these types of alternative capital providers that could tip the scales in your favor is a partnership with a non-bank, asset-based lending firm.
- [Gibraltar Hires Lending Veteran as SVP, Underwriting Manager](https://www.gibraltarbc.com/blog/gibraltar-hires-lending-veteran-as-svp-underwriting-manager/): Gibraltar Business Capital (GBC) is proud to announce it has hired S.N. Thomas, a lending expert with 25+ years’ experience, as an SVP and Underwriting Manager.
- [Gibraltar Business Capital Expands Line of Credit with Bank of America](https://www.gibraltarbc.com/blog/gibraltar-business-capital-expands-line-of-credit-with-bank-of-america/): Gibraltar Business Capital (“GBC”) is proud to announce it has secured an increased line of credit with Bank of America, building upon the partnership first announced in May 2021.
- [Gibraltar Spotlight: Get to Know Todd Seehase](https://www.gibraltarbc.com/blog/gibraltar-spotlight-get-to-know-todd-seehase/): With a passion for providing responsive customer service built around creative, flexible lending solutions, GBC credit team member and SVP Todd Seehase has found his niche in the non-bank ABL environment.
- [Understanding Today’s ABL Market: A Q&A with GBC’s Chief Credit Officer Jeff Stanek](https://www.gibraltarbc.com/blog/understanding-todays-abl-market-a-qa-with-gbcs-chief-credit-officer-jeff-stanek/): We recently sat down with GBC’s Chief Credit Officer Jeff Stanek to get his insights on how the ABL industry has evolved over the past three decades, what’s driving the greatest changes, and what’s in store for the future. He also shared his take on misconceptions about asset based lending and how borrowers can best position themselves in today’s financial climate.
- [Gibraltar Business Capital Now Offers ABL Loans Up to $100MM](https://www.gibraltarbc.com/blog/gibraltar-business-capital-now-offers-abl-loans-up-to-100mm/): Providing companies and their advisors with fast access to reliable working capital solutions has always been at the center of Gibraltar Business Capital’s (“GBC”) mission.
- [Gibraltar Spotlight: Get to Know Stefana Murray](https://www.gibraltarbc.com/blog/gibraltar-spotlight-get-to-know-stefana-murray/): At Gibraltar Business Capital, from our leadership team — to our sales, credit, operations and finance teams — we have upheld our commitment to having strength in diversity and bringing different voices to the table. This means constantly holding ourselves accountable and elevating female voices across all our teams.
- [Choosing an Asset Based Lender: Inside the Experience of a Steel Company CFO](https://www.gibraltarbc.com/blog/choosing-an-asset-based-lender-inside-the-experience-of-a-steel-company-cfo/): Flexibility and access to fast liquidity are what sets an asset-based lender apart. This is especially critical when business owners are navigating several challenging financial scenarios amid economic fluctuations and a global pandemic.
- [Turnaround Signals and Tactics: Insights from a Turnaround Advisor](https://www.gibraltarbc.com/blog/turnaround-signals-and-tactics-insights-from-a-turnaround-advisor/): During periods of transition, companies need financing partners and advisors who have the expertise to provide a flexible path toward stability. The key to the right turnaround strategy is knowing how to secure financial support before true distress occurs.
- [How Asset-Based Lending Complements Traditional Bank Lending](https://www.gibraltarbc.com/blog/how-asset-based-lending-complements-traditional-bank-lending/): As financial markets continue to shift, borrowers need flexible lending options that help them achieve their short and long-term goals.
- [Gibraltar Spotlight: Get to Know Deborah Muldbakken](https://www.gibraltarbc.com/blog/gibraltar-spotlight-get-to-know-deborah-muldbakken/): We’re honored to feature one of our long-standing Gibraltar team members, Deborah Muldbakken, as part of this installment of Get to Know Gibraltar. Deb has a long, rich history with Gibraltar and has often been considered the embodiment of Gibraltar’s strong culture and values.
- [Inside ABL: From the Eyes of a Turnaround Advisor](https://www.gibraltarbc.com/blog/inside-abl-from-the-eyes-of-a-turnaround-advisor/): For turnaround advisors, there are several scenarios where ABL provides their clients the necessary flexibility during periods of transition. The right asset-based lending partner can help advisors proactively secure support before true distress occurs. GBC commonly works with turnaround advisors who need lenders with deep turnaround expertise, and an ability to be nimble and fast.
- [Fostering Strong Company Morale in a Challenging Environment: Three Key Tips](https://www.gibraltarbc.com/blog/fostering-strong-company-morale-in-a-challenging-environment-three-key-tips/): The pandemic has put companies, and their employees, in situations never previously imagined. From managing virtual teams and conducting business through new, creative methods, to maintaining an office culture from a distance, there are many lessons for businesses to learn.
- [Exploring ABL Financing: Real-World Scenarios](https://www.gibraltarbc.com/blog/exploring-abl-financing-real-world-scenarios/): Asset-based lending (ABL) presents a diverse number of use cases for companies looking for a financing solution that is outside the traditional banking fold. Whether it’s for a lower middle-market business in transition, or a financial sponsor looking to finance an acquisition, ABL offers the flexibility to meet diverse needs.
- [Gibraltar Spotlight: Get to Know Lucica Cucu](https://www.gibraltarbc.com/blog/gibraltar-spotlight-get-to-know-lucica-cucu/): At Gibraltar, our people are our greatest strength. We spent some time recently getting to know one of our long-standing, senior employees, Lucica Cucu. With more than a decade of consulting and financial analysis experience in accounting, Lucica has been with the Gibraltar Business Capital team since 2016. As a VP and leader of the finance department she serves as the Corporate Controller responsible for accounting operations, human resources administration and information systems. Read along to learn more about Lucica.
- [Former Wells Fargo Capital Finance Credit Leader Jeff Stanek Joins Gibraltar Business Capital](https://www.gibraltarbc.com/blog/former-wells-fargo-capital-finance-credit-leader-jeff-stanek-joins-gibraltar-business-capital/): Gibraltar Business Capital has bolstered its team of senior-level credit and asset-based lending professionals with the addition of Jeff Stanek as Executive Vice President. With a proven record of developing and managing strong and diverse portfolio teams, Jeff brings a breadth of expertise in structuring and growing an asset-based portfolio whilst managing carefully for risk.
- [Choosing a Reliable Capital Partner: A Checklist For Private Equity Sponsors](https://www.gibraltarbc.com/blog/choosing-a-reliable-capital-partner-a-checklist-for-private-equity-sponsors/): Gibraltar Business Capital (GBC) has carved a name for itself as the preferred ABL partner of private equity by delivering fast and flexible asset-based lines of credit to sponsor-backed companies who need it most.
- [Gibraltar Spotlight: Get to Know Jean Elie Jr.](https://www.gibraltarbc.com/blog/gibraltar-spotlight-get-to-know-jean-elie-jr/): A seasoned lender with three decades of vast experience, Jean joined Gibraltar Business Capital as an SVP Account Executive in April 2021, managing a portfolio of loans and underwriting new loans. Jean's rich experience includes serving as a senior relationship manager at Wells Fargo Business Finance and a senior portfolio manager at BMO Capital Markets.
- [GBC and Financial Sponsors: How We Support Private Equity Portfolio Company Growth](https://www.gibraltarbc.com/blog/gbc-and-financial-sponsors-how-we-support-private-equity-portfolio-company-growth/): Gibraltar has built a long-standing reputation around being the preferred ABL partner to private equity groups through its ability to support acquisition and growth opportunities.
- [Navigating Asset-Based Lending: Achieving Financial Growth and Stability](https://www.gibraltarbc.com/blog/navigating-asset-based-lending-achieving-financial-growth-and-stability/): Whether you’re a company owner, CFO or financial sponsor, the future of your company’s growth is often dependent on choosing the right financing partner.
- [Gibraltar Spotlight: Get to Know Robin Oertel](https://www.gibraltarbc.com/blog/gibraltar-spotlight-get-to-know-robin-oertel/): Robin Oertel is a Senior Vice President and Business Development Officer for Gibraltar Business Capital — a role she’s held since the beginning of 2020. She was recognized by The ABF Journal as a top woman in ABL.
- [Gibraltar Business Capital Announces $150MM Line of Credit with Bank of America](https://www.gibraltarbc.com/blog/gibraltar-business-capital-announces-150mm-line-of-credit-with-bank-of-america/): CHICAGO, May 12, 2021 -- Gibraltar Business Capital, an industry leader in asset-based lending for lower middle-market businesses, announced an expanded financing partnership with Bank of America through a new $150MM line of credit.
- [Asset-Based Lending Streamlines Access to Capital for Manufacturing Companies](https://www.gibraltarbc.com/blog/asset-based-lending-streamlines-access-to-capital-for-manufacturing-companies/): The pandemic has created a new set of challenges for manufacturing companies that, even under normal circumstances, can experience hurdles due to the capital-intensive nature of the industry. This is especially true for situations in which income or cash-based performance metrics are temporarily not meeting traditional banking measures.
- [GBC Supports Sustainability-Minded Growth](https://www.gibraltarbc.com/blog/gbc-supports-sustainability-minded-growth/): A true financing partner takes the time to understand a company’s vision and offers support by methodically structuring a unique financing opportunity that helps a company scale with purpose.
- [Gibraltar Provides Growth-Enabling Credit Facility to Manufacturer of Water Treatment and Disinfection Technologies](https://www.gibraltarbc.com/blog/gibraltar-provides-growth-enabling-credit-facility-to-manufacturer-of-water-treatment-and-disinfection-technologies/)
- [Gibraltar Delivers $130.5MM in New Commitments Through Pandemic](https://www.gibraltarbc.com/blog/gibraltar-delivers-130-5mm-in-new-commitments-through-pandemic/): In the nine months since COVID-19 was declared a pandemic, Gibraltar Business Capital has remained committed to providing access to flexible, reliable and fast capital — closing 12 transactions and $130.5 million in new commitments.
- [Gibraltar Brings Stability and Flexibility to $15MM Acquisition Financing](https://www.gibraltarbc.com/blog/gibraltar-brings-stability-and-flexibility-to-15mm-acquisition-financing/)
- [4 Pivotal Manufacturer Funding Issues to Avoid](https://www.gibraltarbc.com/blog/4-pivotal-manufacturer-funding-issues-to-avoid/): Many challenges to borrowing particularly affect the asset-intensive manufacturing sector, which requires significant capital for equipment and inventory. In addition, the cash conversion cycle for manufacturers is typically longer than that for other types of industries since their liquidity tends to be tied up longer in inventory and accounts receivable.
- [Looking Back at Turnaround Bootcamp](https://www.gibraltarbc.com/blog/looking-back-at-turnaround-bootcamp/): Our CEO, Scott Winicour, recently participated in a Turnaround Bootcamp panel webinar. The discussion revolved around the visible signals of company distress and the strategies turnaround professionals do — and do not — advocate for recovery. Answering questions on these topics and more were professionals from the turnaround and credit industries. Here is a summary of our key take-aways from the discussion:
- [Gibraltar Business Capital Rebuilds Website for Their 10th Anniversary](https://www.gibraltarbc.com/blog/gibraltar-business-capital-rebuilds-website-for-their-10th-anniversary/): Gibraltar Business Capital turned 10 years old this year, celebrating a decade of service to middle market companies in transition. In response to strong growth in recent years and a continuing commitment to its core focus and values, the company is launching a visual redesign of its brand and website www.gibraltarbc.com.
- [As Traditional Banks Tighten Lending, ABL Remains an Accessible Option](https://www.gibraltarbc.com/blog/as-traditional-banks-tighten-lending-abl-remains-an-accessible-option/): The quarterly survey of senior loan officers conducted by the Federal Reserve in late June is very revealing. Even as the Fed has been urging lenders to get money to businesses that have been affected by the pandemic, banks are tightening their lending standards. Tougher credit requirements put more pressure on companies already facing financial challenges from widespread coronavirus-related shutdowns and slowdowns.
- [Gibraltar Grows Its Expert Teams To Do More](https://www.gibraltarbc.com/blog/gibraltar-grows-its-expert-teams-to-do-more/): Our business has grown significantly in the ten years that we have been operating as Gibraltar Business Capital, causing us to more than double the size of our team in that period. The past few years have been especially busy, as we’ve gained access to more capital with which to serve and support more middle-market companies in transition. Now, as the pandemic is changing the world in which we all operate, we have found our services — and our experience in helping companies meet unique challenges — more in demand than ever.
- [Gibraltar Spotlight: Get to Know Diane Jankowski](https://www.gibraltarbc.com/blog/gibraltar-spotlight-get-to-know-diane-jankowski/): Diane Jankowski is a Loan Structuring Officer with Gibraltar Business Capital, an integral part of our Sales Team who works closely with our customers, listening to their needs and ensuring the loan structure addresses them. Diane shared more about the uniqueness of her job role in the industry, how COVID has affected Gibraltar, the supportive role of Gibraltar’s culture and her personal passions.
- [Gibraltar Provides $20MM to Sponsor-Backed Seasonal Business](https://www.gibraltarbc.com/blog/gibraltar-provides-20mm-to-sponsor-backed-seasonal-business/): Gibraltar prides itself on its ability to provide companies and their private equity sponsors with flexible financing and maximum liquidity, based on our ability to understand each business’ special situation. This enabled us recently to provide Texas-based Easy Gardener Products, Inc, a $20 million credit facility to help with a restructuring.
- [Gibraltar Business Capital Turns 10, Surpasses $500MM in Closed Deals](https://www.gibraltarbc.com/blog/gibraltar-business-capital-turns-10-surpasses-500mm-in-closed-deals/): Happy Birthday, Gibraltar Business Capital! We are proud to have achieved ten years of serving middle-market companies in transition with the responsiveness, innovation and flexibility to access liquidity they need to thrive.
- [Why ABL Makes Sense for the Consumer Products Industry](https://www.gibraltarbc.com/blog/why-abl-makes-sense-for-the-consumer-products-industry/): Consumer products companies face unique challenges with cash flow. They have significant upfront costs related to producing and shipping their products, combined with a long cash conversion cycle. Due to the inherent seasonality of retail, there is often a long lead time between purchases and orders hitting the consumer’s hands. And since retailers, especially the major ones, control the flow of products to the consumer, they are able to demand and get extended net selling terms that can leave a consumer products manufacturer or distributor low on capital just when they need it most.
- [Cash Flow Management in the New Normal](https://www.gibraltarbc.com/blog/cash-flow-management-in-the-new-normal/): We are living through unprecedented times of abrupt and major change. No one is unaffected by the rippling effects of this pandemic and the economic repercussions. Essentially, every business is now in transition, dealing with new and unexpected challenges. Furloughed staff. Employees working remotely. Temporary closings. Supply chain disruptions. We’re seeing a cascade of financial challenges...and we don’t yet know what recovery looks like or how quickly it will come. We are almost certainly facing a new normal for the foreseeable future.
- [In Pursuit of Service Excellence: How Gibraltar is Strengthening Our Customer Focus in Today’s Environment](https://www.gibraltarbc.com/blog/in-pursuit-of-service-excellence-how-gibraltar-is-strengthening-our-customer-focus-in-todays-environment/): At Gibraltar, our team deals with companies and people in unique, often difficult, situations. We see people when they are facing problems and searching for answers. It is our job to try to find financial solutions to help them. We believe the best way to do this is to focus on empathy and service first — to listen, understand, and be flexible. We have been working to make Gibraltar the best possible partner in challenging circumstances, even before COVID-19 added a special level of anxiety for many businesses in 2020. We are currently doing this by offering our staff ongoing opportunities to strengthen soft service skills.
- [Gibraltar Announces Three Executive Promotions](https://www.gibraltarbc.com/blog/gibraltar-announces-three-executive-promotions/): Gibraltar Business Capital is reinforcing the resources we have ready and available to help our clients gain innovative, flexible solutions to their financial needs. We are building our leadership team by promoting exemplary team members from within.
- [Gibraltar’s $18MM Credit Facility Funds Acquisition for Family Office](https://www.gibraltarbc.com/blog/gibraltars-18mm-credit-facility-funds-acquisition-for-family-office/): In a time of turmoil, Gibraltar Business Capital funded an acquisition for a new client via an $18 million line of credit. The transaction was initiated by a family office investor group.
- [Get to Know Gibraltar: Meet Agnes Falconer, Vice President of Operations](https://www.gibraltarbc.com/blog/get-to-know-gibraltar-meet-agnes-falconer-vice-president-of-operations/): Agnes Falconer has been with Gibraltar Business Capital for 11 years, steadily learning and filling new roles. She started as a collateral analyst, then became a department manager, an account executive and now our Vice President of Operations. Agnes shared more about who she is, how she views Gibraltar’s opportunities and what get’s her excited about her work here.
- [What Can Be Included in an ABL Facility?](https://www.gibraltarbc.com/blog/what-can-be-included-in-an-abl-facility/): As the name suggests, the heart and soul of these loan facilities are the assets owned by the borrowing company and used as collateral to obtain credit. But it’s not unusual to collateralize a loan. What is so special about ABL facilities?
- [8 Turnaround Tactics You Should Know](https://www.gibraltarbc.com/blog/8-turnaround-tactics-you-should-know/): Companies can find themselves in trouble for a variety of reasons. Some involve internal challenges like the failure of a major project, poor sales, ineffective financial controls, lack of data for good decision-making. Other reasons can be external, like natural disasters, change in regulations, or economic recessions.
- [Gibraltar Continues to Grow, Welcoming New SVP Robin Oertel to the Midwest Region](https://www.gibraltarbc.com/blog/gibraltar-continues-to-grow-welcoming-new-svp-robin-oertel-to-the-midwest-region/): Gibraltar welcomes Robin Oertel to the GBC family as a Senior Vice President and Business Development Officer, based out of Minneapolis, MN.
- [Gibraltar Welcomes New SVP Randi M. Hershgordon](https://www.gibraltarbc.com/blog/gibraltar-welcomes-new-svp-randi-m-hershgordon/): In response to its continuing growth, Gibraltar Business Capital is pleased to welcome Randi M. Hershgordon as its newest Senior Vice President.
- [How an Asset Based Lender Evaluates Your Accounts Receivable](https://www.gibraltarbc.com/blog/accounts-receivable-line-of-credit-accounts-receivable-valuation/): There are a few terms and concepts that it’s helpful to know when you are applying for an asset-based loan based on your accounts receivable. This knowledge can help you understand what to expect from the process and, ultimately, the terms of your loan facility.
- [“Gibraltar Moves Quickly and Digs Deep to Surface Liquidity”](https://www.gibraltarbc.com/blog/case-studies-industrial-value-partners/): Industrial Value Partners (IVP) is a private equity firm focused on the textiles industry. 
- [Understanding Equipment Appraisals](https://www.gibraltarbc.com/blog/asset-based-lending-equipment-appraisals/): Asset-based loans are generally supported by working assets, such as inventory and accounts receivable. However, in some cases, these may be combined with fixed assets such as equipment for increased borrowing capacity. If you have valuable equipment in good condition that is earning income, you may be able to include it in your asset-based lending (ABL) collateral. In this case, the equipment will first need to be professionally appraised to determine its value.
- [ABL Inventory Evaluation](https://www.gibraltarbc.com/blog/abl-inventory-valuation/): Inventory is one of the most important categories of business assets that can be used as collateral for an asset-based loan. When you’re planning to apply for this type of alternative financing, it’s helpful to have some perspective on how your asset-based lender (ABL) looks at the value of your inventory for use as collateral.
- [Gibraltar Business Capital Announces Another Increase in its Credit Facility with Wells Fargo](https://www.gibraltarbc.com/blog/wells-fargo-increase-in-credit-line/): Gibraltar Business Capital, an industry leader in alternative financing for middle-market businesses, announced an increase in its credit line with Wells Fargo, N.A. In 2018, Wells Fargo raised Gibraltar’s facility from $75 million to $100 million. This new increase takes the line up to $125 million, giving the asset-based lender additional capacity to serve its market.
- [How Can Inventory Management Affect the Size of Your Asset-Based Loan?](https://www.gibraltarbc.com/blog/asset-based-lending-inventory-management-for-abl/): An asset-based lender (ABL) looks at different types of assets in your business that can be used as collateral for a flexible financing solution. The size of the credit facility you can access—your borrowing base—will depend not only on the dollar value of your assets, but also on how well they are being managed to create profit for the company.  
- [What is Inventory Management & Why is it Important?](https://www.gibraltarbc.com/blog/why-inventory-management-is-important/): Whether you’re a manufacturer or distributor, effective inventory management is critical to the financial health and success of your business in many ways, some of which you may not even have considered before. For example, if you ever need working capital or funding for growth, your inventory could be used as collateral for flexible financing...but only if you know what you have, where it is, and how fast and effectively you’re putting it to work.
- [Gibraltar Steps In To Support Home Furnishings Company’s Turnaround](https://www.gibraltarbc.com/blog/case-studies-flexible-credit-facility-for-growth/): Gibraltar Business Capital prides itself on working closely with other financial and business professionals to help their clients gain financial security and build a foundation for future growth. 
- [Leadership Series: Growth Mismanagement with Newpoint Advisors’ Ken Yager](https://www.gibraltarbc.com/blog/leadership-series-growth-mismanagement-with-newpoint-advisors-ken-yager/): In a recent interview, Ken Yager, President, and founder of Newpoint Advisors offered his observations on growth mismanagement in lower-middle-market companies, from his perspective as a turnaround advisor. 
- [Alerion Partners — A Private Equity Firm Relies on Gibraltar’s Financing Team](https://www.gibraltarbc.com/blog/case-studies-alerion-principal-case-study/): Alerion Partners is a growth-stage private equity investor that has used Gibraltar to set the stage for success in more than one of its sponsored companies. 
- [Working with Private Equity Firms](https://www.gibraltarbc.com/blog/working-with-private-equity-firms/): Alerion Partners is a growth-stage private equity investor that has used Gibraltar to set the stage for success in more than one of its sponsored companies.
- [$20MM in 30 Days—Expanded Credit Capacity and Expertise Fuel Gibraltar’s Growth](https://www.gibraltarbc.com/blog/20mm-30-days-expanded-credit-capacity-expertise-fuels-growth/): Gibraltar has built $20MM in new financing partnerships over the past 30 days— providing four companies with working capital flexibility to support their plans for the future. We’ve been able to reach this funding achievement by using our solid capital base and competitive strengths in the $2-$20 million ABL market.
- [Cashflow Series Part 3: Important Cash Flow Ratios](https://www.gibraltarbc.com/blog/important-cash-flow-ratios/): A cash flow statement shows the inflows and outflows of cash for your business. Our Cash Flow Series Part 1 offers information on how to prepare a cash flow statement. Once your statement is prepared, data gleaned from it can be used to calculate specific financial ratios that indicate how liquid and viable your company is.
- [Cash Flow Series Part 2:  How Lenders Look at Cash Flow Ratios](https://www.gibraltarbc.com/blog/how-lenders-evaluate-cash-flow-ratios/): When your company needs additional capital to bridge a transitional period or finance new growth, you may be looking for a commercial loan. It’s helpful to know in advance what kind of company financial information a lender may want to evaluate. Cash flow ratios are not only important to your company, they are also very important to lenders because of the information they provide about your company’s liquidity. Lenders will use them in specific ways. 

## Pages
- [Finance Team](https://www.gibraltarbc.com/about/finance-team/): VP, Controller
- [Operations Team](https://www.gibraltarbc.com/about/operations-team/): VP, Operations Manager
- [Credit Team](https://www.gibraltarbc.com/about/credit-team/): EVP, Chief Credit Officer
- [Industry Expertise](https://www.gibraltarbc.com/partnerships/company-borrowers/industry-expertise/): Lorem ipsum dolor sit amet, consectetur adipiscing elit. Phasellus rhoncus posuere ex, nec ullamcorper lacus pulvinar eget. Duis malesuada congue nunc ultricies rutrum. Duis volutpat finibus diam eget gravida.
- [Company Borrowers](https://www.gibraltarbc.com/partnerships/company-borrowers/): Gibraltar Business Capital provides lower-middle market businesses nationwide the working capital they need to solve short-term capital challenges, seize growth opportunities or transition through performance fluctuations.
- [Other Advisors](https://www.gibraltarbc.com/partnerships/other-advisors/): At Gibraltar, we understand the unique needs of our financial industry partners. We have a collaborative team of financing experts that offer flexible solutions when traditional loans are limited or too restrictive. Our partners value our focus on maintaining strong client relationships and our ability to transition clients back to traditional financing sources when they are able to thrive on their own.
- [Private Equity](https://www.gibraltarbc.com/partnerships/financial-partners/private-equity/): GBC’s asset-based revolving lines of credit provide fast and flexible capital when sponsor-backed companies want to proactively address challenges or capture opportunity.
- [Financial Partners](https://www.gibraltarbc.com/partnerships/financial-partners/): At Gibraltar, we understand the unique needs of our financial industry partners. We have a collaborative team of financing experts that offer flexible solutions when traditional loans are limited or too restrictive. Our partners value our focus on maintaining strong client relationships and our ability to transition clients back to traditional financing sources when they are able to thrive on their own.
- [Business Services and Staffing](https://www.gibraltarbc.com/partnerships/business-services-and-staffing/): The financial challenges and opportunities for business services and staffing companies are generally quite different from companies that rely on many long-term assets such as equipment and materials. The fact that their assets are not tied up in physical infrastructure gives business services companies the ability to be nimble in moving money quickly into investments in growth. However, that same lack of long-term physical assets means they do not have collateral for certain types of asset-based financing. Without a long history of operating and credit, or while in a transitional phase of growth, these same businesses also may not be eligible for a traditional bank loan.
- [Financing Guidelines](https://www.gibraltarbc.com/asset-based-lending/financing-guidelines/): Gibraltar Business Capital 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.
- [Consumer Products](https://www.gibraltarbc.com/partnerships/consumer-products/): Designers, manufacturers, distributors, wholesalers and retailers of consumer goods face special business and financial issues that can challenge their ability to get their goods to their end-consumer. At Gibraltar, we’ve been helping companies in the consumer products industry conquer day-to-day hurdles, as well as difficult transitions, to survive and grow successfully.
- [Distribution and Wholesale](https://www.gibraltarbc.com/partnerships/distribution-and-wholesale/): Running a successful wholesale and distribution business can mean facing unique cash flow and timing challenges, any one of which can make it difficult to take on new orders or even to keep the business up and running. At Gibraltar, we’ve been helping companies in distribution and wholesale survive difficult transitions and grow successfully.
- [Manufacturing](https://www.gibraltarbc.com/partnerships/manufacturing/): Building and sustaining a successful manufacturing business can mean facing a variety of unique challenges, any one of which can disrupt cash flow or require a capital investment. At Gibraltar, we’ve been helping manufacturers survive difficult transitions and become leaders in their industry.
- [Financial Sponsors](https://www.gibraltarbc.com/partnerships/financial-sponsors/): GBC’s asset-based revolving lines of credit provide fast and flexible capital when sponsor-backed companies want to proactively address challenges or capture opportunity.
- [Privacy Policy](https://www.gibraltarbc.com/privacy-policy/): Gibraltar Business Capital, LLC (the “Company”) is committed to safeguarding your privacy online. This Privacy Policy applies with respect to the information that the Company collects from the Company’s Website, located at www.gibraltarbc.com. Amendments to this Privacy Policy will be posted on this Website and will be effective when posted so please check back periodically. Your continued use of this site following the posting of any amendment, modification or change shall constitute your acceptance thereof. We will not disclose any information you provide about yourself or your business to any third parties unless we have to do so in the ordinary course of our commercial relationship with you (including, without limitation, for marketing purposes) or to administer this Website.
- [Terms and Conditions of Use](https://www.gibraltarbc.com/terms-and-conditions/): IMPORTANT! READ THIS ENTIRE AGREEMENT CAREFULLY
- [Partnerships](https://www.gibraltarbc.com/partnerships/): Gibraltar Business Capital is a financing partner that will step in and provide a solution when other funding sources are limited or too restrictive. We work with business owners, advisors, banks, and financial sponsors to help small and mid-market businesses solve short-term capital challenges, seize growth opportunities or transition through performance fluctuations.
- [Sales Team](https://www.gibraltarbc.com/about/sales-team/): Our sales team has the depth of experience needed to execute tailored deals in support of a multitude of financing scenarios. Our relationships with direct borrowers, financial sponsors and business advisors allow us the ability to understand varying and dynamic needs for lending creativity and deliver certainty of close.
- [Case Studies](https://www.gibraltarbc.com/case-studies/): Gibraltar Business Capital (“Gibraltar”) is proud to announce the closing of a $27.5MM senior secured revolving credit facility with Whitmor, Inc. (“Whitmor”), a successful fourth-generation family-owned-and-operated business founded in 1946. …
- [Asset-Based Lending](https://www.gibraltarbc.com/asset-based-lending/): 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.
- [Contact Us](https://www.gibraltarbc.com/contact-us/): Contact us today with any questions or to find a Gibraltar Business Capital representative in your area. Your e-mail and phone number will be used for the sole purpose of disseminating information to you and will never be sold to 3rd parties.
- [About](https://www.gibraltarbc.com/about/): We measure success by our client’s ability to capture opportunity, sleep at night, and ultimately, thrive on their own.
- [Gibraltar Blog](https://www.gibraltarbc.com/blog/): What a Term Sheet Can’t Tell YouRecent PostsAsset Based LendingBusiness Financing ResourcesDeal ClosingsCompany NewsPrivate EquityRecent Posts What the Funding (WTF!?): Mailchimp Gibraltar Business Capital Closes $12.5M Revolving Credit Facility with Sharebite What the Funding (WTF!?): Airbnb Asset Based Lending What the Funding (WTF!?): Mailchimp What the Funding (WTF!?): Airbnb What the Funding (WTF!?): Pet Rock Business Financing Resources Beyond Cash Flow: ABL Continues to Gain Traction in 2025 Asset-Based Lending for the Consumer Products Industry Cultivating Reliable ABL Partnerships: A Private Equity Perspective Company News Against All Odds: 5,126 Moments of Resilience The Milestones That Matter: Prodigy Health A Strong Finish to 2025, A Stronger Start to 2026 Deal Closings Gibraltar Business Capital Closes $12.5M Revolving Credit Facility with Sharebite Gibraltar Business Capital Structures $35MM Funding for Acquisition of American Furniture Manufacturing by SouthWorth Capital Management Gibraltar Business Capital Supports Leading Consumer Products Company’s Next Stage of Growth with $20MM Senior Secured Facility Private Equity Cultivating Reliable ABL Partnerships: A Private Equity Perspective Private Equity Financing in the Evolving Market Landscape Choosing a Reliable Capital Partner: A Checklist For Private Equity Sponsors Asset Based Lending What the Funding (WTF!?): Mailchimp What the Funding (WTF!?): Airbnb What the Funding (WTF!?): Pet Rock Deal or No Deal: LiveBarn Deal or No Deal: Bowie and the Bowie Bonds Beyond Cash Flow: ABL Continues to Gain Traction in 2025 Beyond the Template: The Creativity, Diligence, and Expertise Behind Client-Centric Underwriting Digital Billboard Designer and Manufacturer Shares Gibraltar’s Role in Its Growth Asset-Based Lending for the Consumer Products Industry Read MoreBusiness Financing Resources Beyond Cash Flow: ABL Continues to Gain Traction in 2025 Asset-Based Lending for the Consumer Products Industry Cultivating Reliable ABL Partnerships: A Private Equity Perspective Unlocking Flexible Capital: Three Strategic Tips for Engaging with Asset-Based Lenders Private Equity Financing in the Evolving Market Landscape Turnaround Signals and Tactics: Insights from a Turnaround Advisor Inside ABL: From the Eyes of a Turnaround Advisor Exploring ABL Financing: Real-World Scenarios 4 Pivotal Manufacturer Funding Issues to Avoid Read MoreDeal Closings Gibraltar Business Capital Closes $12.5M Revolving Credit Facility with Sharebite Gibraltar Business Capital Structures $35MM Funding for Acquisition of American Furniture Manufacturing by SouthWorth Capital Management Gibraltar Business Capital Supports Leading Consumer Products Company’s Next Stage of Growth with $20MM Senior Secured Facility Gibraltar Business Capital Delivers $15MM Senior Secured Facility to Bolster Sampa USA’s Expansion Gibraltar Business Capital Provides $22MM Senior Secured Facility to Monterey Mushrooms Gibraltar Business Capital Expands Prodigy Health’s Line of Credit to $35MM Gibraltar Business Capital Provides $12MM Credit Facility to Global Manufacturer Formetco Secures $15MM Credit Facility and Renews Gibraltar Business Capital Partnership Gibraltar Expands ABL Facility for Pharmaceutical Distributor to $30MM Read MoreCompany News Against All Odds: 5,126 Moments of Resilience The Milestones That Matter: Prodigy Health A Strong Finish to 2025, A Stronger Start to 2026 Gibraltar Business Capital Participates in $550MM Syndicated Credit Facility for Wilbur-Ellis Holdings Gibraltar Business Capital Expands Prodigy Health’s Line of Credit to $35MM Gibraltar Expands Business Development Team with Midwest SVP, Andrew Gustin Gibraltar Business Capital Adds Two ABL Veterans to Its Sales Team Gibraltar Business Capital Provides $12MM Credit Facility to Global Manufacturer Deal Minded Employee Spotlight: Joe Messineo Read MorePrivate Equity Cultivating Reliable ABL Partnerships: A Private Equity Perspective Private Equity Financing in the Evolving Market Landscape Choosing a Reliable Capital Partner: A Checklist For Private Equity Sponsors GBC and Financial Sponsors: How We Support Private Equity Portfolio Company Growth “Gibraltar Moves Quickly and Digs Deep to Surface Liquidity” Alerion Partners — A Private Equity Firm Relies on Gibraltar’s Financing Team Working with Private Equity Firms For Private Equity Investors, Gibraltar Thinks ‘Just Like We Do’ Private Equity & Brand Building: Seven Tips for Building Brand Equity Read More
- [Home](https://www.gibraltarbc.com/): Gibraltar Business Capital provides stability during periods of transformation for lower mid-market businesses.

## Case Studies
- [Gibraltar Business Capital Provides $20MM to Second-Generation Honey Company](https://www.gibraltarbc.com/case-studies/gibraltar-business-capital-provides-20mm-to-second-generation-honey-company/): GloryBee Natural Sweeteners, a family-owned business based in Oregon, is dedicated to ethically sourcing, processing, and packing high-quality honey and other sweeteners primarily used as ingredients. The company, having invested in a state-of-the-art manufacturing facility and national expansion, needed a lender that could move quickly to refinance existing bank debt and provide additional liquidity to maximize growth opportunities.
- [Gibraltar Business Capital Provides $18MM to Sponsor-Backed Value-Added Distributor and Processor of Nuts and Bulk Products](https://www.gibraltarbc.com/case-studies/gibraltar-business-capital-provides-18mm-to-sponsor-backed-value-added-distributor-and-processor-of-nuts-and-bulk-products/): American Nuts, a sponsor-backed company, was referred to Gibraltar Business Capital (GBC) for its strengths in working with financial sponsors. American Nuts is a California-based, vertically integrated importer and processor of nuts, seeds, dried fruit, and other bulk products to industrial and retail customers. The company also provides category management and merchandising services to grocery customers through its value-added distribution arm.
- [Gibraltar Provides $27.5MM Credit Facility to Home Organizational Products Supplier](https://www.gibraltarbc.com/case-studies/gibraltar-provides-27-5mm-credit-facility-to-home-organizational-products-supplier/): Gibraltar Business Capital (“Gibraltar”) is proud to announce the closing of a $27.5MM senior secured revolving credit facility with Whitmor, Inc. (“Whitmor”), a successful fourth-generation family-owned-and-operated business founded in 1946.
- [Gibraltar Backs Revolution Foods with $21MM](https://www.gibraltarbc.com/case-studies/gibraltar-backs-revolution-foods-with-20mm/): Gibraltar Business Capital (GBC) is pleased to announce the closing of a $21MM senior secured credit facility in support of Revolution Foods. The facility will provide additional liquidity for the continued development of the company’s vision.
- [Gibraltar Provides $13MM to Custom Game Manufacturer USAopoly](https://www.gibraltarbc.com/case-studies/gibraltar-provides-13mm-to-custom-game-manufacturer-usaopoly/): Traditional, regulated lending environments are often too restrictive for the evolving needs of certain businesses, including those impacted by seasonal fluctuations. Consequently, in preparation for their upcoming peak season, the team at USAopoly sought a more adaptable solution to their financing needs – and quickly.
- [Gibraltar Business Capital Provides $26.4MM in Acquisition Financing](https://www.gibraltarbc.com/case-studies/gibraltar-business-capital-provides-26-4mm-in-acquisition-financing/): Continuing its strong reputation for being a preferred ABL partner for sponsor-backed transactions, GBC has strengthened its relationship with a private equity group that acquired a leading North American supplement manufacturer.
- [Gibraltar Business Capital Supports Flux Power with $15MM Credit Facility](https://www.gibraltarbc.com/case-studies/gibraltar-business-capital-supports-flux-power-with-15mm-credit-facility/): Gibraltar Business Capital (“GBC”), a non-bank, middle market asset-based lending company is pleased to announce the successful closing of a $15MM credit facility to support Flux Power (NASDAQ: FLUX). The credit facility is secured by the assets of the company including accounts receivable and inventory and incorporates an accordion that allows for up to $20MM total credit facility at the borrower’s option. The newly established facility supports the company’s working capital requirements and facilitates the refinancing of its previous credit facility with Silicon Valley Bank.
- [$20MM Credit Facility Provides Flexibility to Specialty Printing Business](https://www.gibraltarbc.com/case-studies/20mm-credit-facility-provides-flexibility-to-specialty-printing-business/): Trust, flexibility, and deep structuring creativity were showcased in our latest financing transaction and partnership with specialty printer, Serigraph Inc ("Serigraph").
- [Gibraltar Delivers $15MM in Creative Financing for a Family-Run Distributor](https://www.gibraltarbc.com/case-studies/gibraltar-delivers-15mm-in-creative-financing-for-a-family-run-distributor/): Personal attention and a commitment to every detail are characteristics of a strong asset based lending partner and team. Creative team thinking, especially when it comes to structuring a borrowing base, can also be critical in helping a business secure the funding they need to prosper.
- [Gibraltar Supports Acquisition and Growth for Pharmaceutical Distributor with $35MM ABL](https://www.gibraltarbc.com/case-studies/gibraltar-supports-acquisition-and-growth-for-pharmaceutical-distributor-with-25mm-abl/): Since first partnering with Prodigy Health in 2022, GBC has tailored financing solutions adapted to the company’s evolving needs. GBC provided an initial $25MM LOC that allowed Prodigy to expand its distribution capabilities. In 2024, as Prodigy’s business model shifted to focus on higher-turn products and new customer segments, GBC responded by expanding the facility to $30MM.
- [Gibraltar Provides Landscape Services Company $12MM in Growth-Oriented Financing](https://www.gibraltarbc.com/case-studies/gibraltar-provides-landscape-services-company-12mm-in-growth-oriented-financing/): While sometimes unrelated, changes in company demands for working capital can often occur at the same time as other changes in the business such as changes in ownership structure. When this happens, it’s important to have access to flexible working capital that can accommodate transitions while supporting growth.
- [Gibraltar Brings Stability and Flexibility to $15MM Acquisition Financing](https://www.gibraltarbc.com/case-studies/gibraltar-brings-stability-and-flexibility-to-15mm-acquisition-financing/): Fluctuating economic conditions, coupled with managing multiple remote teams to secure financing for a major acquisition isn’t a scenario every finance provider is equipped to handle.
- [Gibraltar Provides $20MM to Sponsor-Backed Seasonal Business](https://www.gibraltarbc.com/case-studies/gibraltar-provides-20mm-to-sponsor-backed-seasonal-business/): Gibraltar’s experience working with financial sponsors on a multitude of special situations proved critical in this recent financing partnership.

## Testimonials
- [Grace Colton, GloryBee](https://www.gibraltarbc.com/blog/testimonial/grace-colton-glorybee/): One year has passed since signing on with Gibraltar. Getting everything across the finish line was nothing short of herculean. Fast-forward one year, and the road has been collaborative, supportive, and positive. Thank you for being a great partner.
- [Chris Abbott, Revolution Foods CFO](https://www.gibraltarbc.com/blog/testimonial/chris-abbott-revolution-foods-cfo/): We are very pleased with how Gibraltar worked with our team to develop a solution that fits our business's unique needs. This facility helps support our mission and strategic objectives and provides strong liquidity.
- [Ari Silverman, Lion Equity](https://www.gibraltarbc.com/blog/testimonial/ari-silverman-lion-equity/): We have been continually impressed by the GBC team and their ability to think creatively and support our liquidity needs with less restrictive structures.
- [Jon Houssian, Prodigy Health](https://www.gibraltarbc.com/blog/testimonial/jon-houssian-prodigy-health/): Gibraltar dug in quickly and got all the people needed involved to understand the unique nuances of our business and the complexity of closing an acquisition in conjunction with a new $25MM ABL credit line.
- [Brad Holtmeier, CriticalPoint Capital](https://www.gibraltarbc.com/blog/testimonial/brad-holtmeier-criticalpoint-capital/): GBC’s innovative team allowed for a creative capital structuring that resulted in them being selected as our preferred financing partner. We sought a quick process to close the transaction, and GBC quickly moved the deal to completion.
- [Suzanne Yoon, Kinzie Capital Partners](https://www.gibraltarbc.com/blog/testimonial/suzanne-yoon-kinzie-capital-partners/): The level of engagement from Gibraltar’s senior leadership was pivotal in getting this deal done. The entire Gibraltar team was responsive, thoughtful, and creative in addressing obstacles, which helped us to hit the target close date.
- [Kevin Keenley, Fundamental Capital](https://www.gibraltarbc.com/blog/testimonial/kevin-keenley-fundamental-capital/): 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.