Gibraltar Business Capital, LLC

Gibraltar Business Capital is a US-based financial services firm specializing in asset-based lending solutions, providing quick access to working capital for lower mid-market businesses facing traditional banking constraints. Founded in 2010 and headquartered in Northbrook, US, Gibraltar Business Capital focuses on providing asset-based lending to businesses. The firm has executed 2 deals, with the most recent deal completed on September 26, 2018. The company is led by CEO Andre Gonzaque and co-founder Scott Winicour.

Gibraltar Business Capital (GBC) specializes in asset-based lending solutions tailored for lower mid-market businesses, providing quick access to working capital when traditional banking options are limited or overly restrictive. The company primarily offers various financing products, including asset-based revolvers and term loans, FILO and stretch facilities, as well as split lien and unitranche facilities. These products are designed to help businesses stabilize and grow during periods of transformation, catering to sectors such as food manufacturing, pharmaceuticals, and other industries needing liquidity for expansion or operational needs. GBC serves a diverse client base, including CFOs, company owners, and financial sponsors primarily across the United States, delivering creative financial solutions that enable clients to meet their strategic objectives efficiently.

Gibraltar Business Capital generates revenue through its asset-based lending products by structuring transactions that support businesses in need of immediate capital. The typical transaction structure involves B2B partnerships where GBC extends credit lines based on collateral such as accounts receivable, inventory, and machinery. Clients are charged interest on the drawn amounts of their credit facilities, and GBC may charge additional fees for setup or ongoing services associated with the loans. The company’s offerings, particularly its asset-based revolvers and term loans, form the cornerstone of its revenue model, as these products provide essential liquidity to businesses seeking to navigate challenging financial landscapes.

Specific pricing plans related to these financial products are designed to align with the unique needs of individual clients, ensuring that each partnership effectively addresses their capital requirements. Gibraltar Business Capital plans to enhance its offerings with new asset-based lending products designed for emerging markets in the financial sector. Additionally, the firm aims to expand its presence in the southeastern United States by 2023, leveraging recent funding secured to facilitate these initiatives. The focus will be on developing tailored financial solutions to meet the evolving needs of lower mid-market businesses in these regions.