Who We Finance

We work with business owners, advisors, bankers and financial sponsors to facilitate working capital that meets all stakeholder needs and in a variety of industries and circumstances including those not considered by many traditional lenders.

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We Provide


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    Facilities

    From $250K to $10 million

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    Senior-Secured

    Revolving lines of credit and equipment term loans

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    Greater Liquidity and Flexibility

    Than a traditional commercial bank loan and many other financing vehicles

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    Collateral-Driven

    Borrowing capacity based on asset values

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    Creative Financing for Companies With:

    • Rapid sales growth
    • Limited operating or credit history
    • Negative operating performance or cash flow
    • Lack of tangible net worth

Gibraltar works with private and public companies across all industries with target revenue between:

$2 MM – $100 MM

We also partner with businesses with seasonal peaks and valleys in revenue, customer concentrations or those with slow paying accounts receivable.


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    Acceptable Collateral:

    Accounts Receivable, Inventory, Machinery and Equipment

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    Transaction Types:

    Acquisition, Buyout, Refinance, Recapitalization or Growth

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    Special Situations:

    Beginning, Middle, or End of a Turnaround or Bankruptcy


Frequently Asked Questions


• Capital to US businesses that don’t qualify for traditional bank financing no matter what the reason
• Senior secured revolving lines of credit using A/R and Inventory to create the borrowing base
• Equipment term loans alongside revolvers
• Facilities up to $10MM
• Greater liquidity and flexibility than a traditional commercial bank loan
• Rapid sales growth
• Limited operating history (early stage or corporate divestiture)
• Negative cash flow
• Lack of tangible net worth
• Declining or fluctuating operating performance
• Limited or blemished credit history
• Seasonal peaks or valleys in revenue or profitability
• Revenue or customer concentrations
• Slow paying Accounts
• Cash flow tied up in their working capital assets
• Transitional needs: growth, turnaround, acquisitions, buyouts, restructuring, etc.
• Startup
• Growth
• Customer Diversification
• New Market or Product Entry
• Decline or Turnaround
• DIP/Restructuring
• Exit
• Mergers & Acquisitions
• Sales and Ownership Changes
• Accounts Receivable, Inventory or Machinery & Equipment to leverage as collateral
• $2M to $100M in target revenue

Recent Credit Facilites


Cast Technologies

$1.5 MM Asset Based Lending

KDH Defense Systems

$10.8MM Asset Based Lending

Horizon Mud

$6MM Asset Based Lending

Testimonials



“In turnaround situations, finding a lender that is willing to lend on the strength of the assets themselves can be the only safe harbor available to this type of client. Gibraltar is one of the few lenders with depth of turnaround experience in the sub $10MM asset-based loan market.”Tim Hassenger, SierraConstellation Partners
“We partnered with Gibraltar on two very different situations with tight timelines for two of our portfolio companies – an acquisition and a refinance of an existing bank loan. In both situations, I was very impressed by how quickly they were able to get up to speed, adjust to changing deal terms and get to close. The team also found ways to take calculated risks that opened up greater liquidity and less restrictive structures for our portfolio companies.”Jim Levitas, Lion Equity Partners