Gibraltar Business Capital
- Company typePrivate
- Founded1960
- HeadquartersNorthbrook, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
Gibraltar Business Capital firmographics
Firmographics- Name
- Gibraltar Business Capital
- Legal name
- Gibraltar Business Capital, LLC
- Website
- https://gibraltarbc.com
- Company type
- Private
- Founded year
- 1960
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Gibraltar Business Capital industry classification
Industry- Product category
- Asset-Based Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
- akta.pro secondary industries
- Middle-Market Lending (FSANADAI), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
Keywords
Where Gibraltar Business Capital is headquartered
LocationHeadquarters
- HQ city
- Northbrook
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Gibraltar Business Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Asset-Based Lending Interest and Fees: GBC generates revenue through interest income and fees on asset-based revolving lines of credit and term loans. The company provides financing secured by accounts receivable, inventory, machinery & equipment, and real estate with advance rates of up to 85% against commercial accounts receivable and up to 50%+ against inventory. Facility sizes range from $10-100MM targeting lower-middle market companies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Asset-Based Lending Facilities ($10-100MM) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Gibraltar Business Capital product offering
Product offeringCore offering
Gibraltar Business Capital provides asset-based revolving lines of credit and term loans ranging from $10 million to $100 million, secured by business assets such as accounts receivable, inventory, machinery and equipment, real estate, and intellectual property. The firm targets U.S. lower-middle market companies and private equity-backed borrowers when traditional bank financing is too limited or restrictive, supplementing its core ABL with FILO/stretch and split lien/unitranche facilities.
Product overview
Gibraltar Business Capital is an asset-based lending (ABL) company that provides stability and flexible financing solutions to lower-middle market businesses during periods of transformation. The company's core offerings center on asset-based revolving lines of credit and term loans ranging from $10-100 million, collateralized by accounts receivable, inventory, machinery & equipment, real estate, and intellectual property. The product suite includes ABL Revolvers & Term Loans as the primary offering, supplemented by FILO & Stretch Facilities and Split Lien & Unitranche Facilities for borrowers with unique capital structures or needs. Gibraltar positions itself as an alternative to traditional bank lending, serving companies when banks and other funding sources are limited or too restrictive.
Differentiator
Problem solved
Functional benefit
Products and services
- ABL Revolvers & Term Loans
Quantifiable outcome
- Since 2010, GBC has supported more than 200 borrowers with over $500 million in funding commitments
- +2 more outcomes
Companies that use Gibraltar Business Capital
Customer profileNamed customers11 records
Segments6 records
Ideal customer profiles2 records
Gibraltar Business Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Gibraltar Business Capital partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights5 records
Gibraltar Business Capital competitors and assessment
Company assessmentBroad incumbents
- CIT Group (First Citizens Bank): Large commercial finance franchise with deep asset-based lending and sponsor finance capabilities following First Citizens' acquisition of CIT; competes for many of the same middle-market and sponsor-backed borrowers.
- Wells Fargo Capital Finance: Large bank's middle-market ABL and asset-based lending group; broader balance sheet, broader product set, and larger sponsor coverage. Competes with GBC for the upper end of the lower-middle-market opportunity.
Direct peers
- Encina Business Credit: Specialty finance company providing asset-based revolving credit and term loans to U.S. middle-market borrowers; competes head-to-head for sponsor-backed and transitional deals of similar size.
- Gordon Brothers: Global advisory and financing firm with a sizable ABL and asset-based lending practice targeting middle-market borrowers; overlaps with GBC in collateral-based lending to transitional companies.
- SLR Business Credit (SLR Capital Solutions): Middle-market asset-based lender offering ABL revolvers, term loans, and FILO facilities to similar lower-middle-market borrowers across the U.S. Direct competitor in facility size, product set, and target sponsor relationships.
- Cerberus Business Finance: Asset-based lender serving U.S. middle-market companies with ABL revolvers, term loans, and special situations financing; similar sponsor-backed client profile and facility sizes.
- Hilco Global (Hilco Capital): Provides asset-based and structured financing solutions to middle-market and special-situation borrowers in the U.S. and internationally; comparable product set around receivables, inventory, and equipment financing.
- Republic Business Credit: U.S. middle-market asset-based lender providing revolving credit and term loans collateralized by receivables, inventory, and equipment; comparable target market and facility sizes.
- Wingspire Capital: Middle-market direct lender offering ABL and cash flow loans to sponsor-backed and privately held U.S. companies; similar facility sizes and sponsor-driven origination model.
- White Oak Finance: Direct middle-market ABL and term loan lender focused on U.S. lower-middle-market companies; overlapping collateral structures (receivables, inventory, equipment) and similar $10–100MM facility sizing.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Gibraltar Business Capital social profiles
Digital presenceGibraltar Business Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Gibraltar Business Capital leadership team
Management profileNumber of profiles
Profiles10 records
Gibraltar Business Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Gibraltar Business Capital M&A and investment
M&A and investmentM&A
Investments5 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Gibraltar Business Capital
What does Gibraltar Business Capital do?
Gibraltar Business Capital provides asset-based revolving lines of credit and term loans ranging from $10 million to $100 million, secured by business assets such as accounts receivable, inventory, machinery and equipment, real estate, and intellectual property. The firm targets U.S. lower-middle market companies and private equity-backed borrowers when traditional bank financing is too limited or restrictive, supplementing its core ABL with FILO/stretch and split lien/unitranche facilities.
Is Gibraltar Business Capital a public or private company?
Gibraltar Business Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Gibraltar Business Capital founded?
Gibraltar Business Capital was founded in 1960. It employs 11 to 50 people.
Where is Gibraltar Business Capital based?
Gibraltar Business Capital is headquartered in Northbrook, United States, in the North America region.
How does Gibraltar Business Capital make money?
One revenue line is on record: asset-Based Lending Interest and Fees.
Who are Gibraltar Business Capital's main competitors?
Broad incumbents on record are CIT Group (First Citizens Bank) and Wells Fargo Capital Finance. Direct peers are Encina Business Credit, Gordon Brothers, SLR Business Credit (SLR Capital Solutions), Cerberus Business Finance, Hilco Global (Hilco Capital), Republic Business Credit, Wingspire Capital and White Oak Finance.
Does Gibraltar Business Capital have an API?
No public API is recorded for Gibraltar Business Capital.
What industry is Gibraltar Business Capital in?
Gibraltar Business Capital's product category is Asset-Based Lending. Its primary akta.pro industry code is FSABABAF, SME Trade Finance & Working Capital (LCs, Guarantees, Receivables), with a secondary code of FSANADAI, Middle-Market Lending. Its NAICS code is 522 and its SIC code is 6153.