Gerber Finance

What Gerber Finance does

Gerber Finance is a privately held, for-profit specialty finance firm headquartered in Atlanta, Georgia, founded in 1995. Per its stated positioning, the company finances long-term profitable growth and builds meaningful relationships with its clients. Operationally, the firm is lean, with a headcount band of 1 to 10 employees, suggesting a focused, relationship-oriented origination or advisory posture rather than a scaled institutional balance-sheet lender. The firm maintains a web presence at gerberfinance.com and operates as a single-location private company.

Specific product offerings, underwriting frameworks, pricing structures, go-to-market channels, and technology infrastructure for Gerber Finance are not documented in the available source material. The provided input contains extensive structured records covering a separate, materially larger entity (eCapital Corp., founded 2004, 850+ employees, multi-region operations across North America and the U.K.) that does not match Gerber Finance on founding year, headcount, location, or scale; that material has not been applied to this analysis.

No pricing model, customer segmentation, geographic footprint beyond Atlanta, revenue mechanics, or distribution channels are disclosed for Gerber Finance. As a result, the commercial model, target customer profile, capital structure, and revenue drivers cannot be characterized from the supplied evidence. A meaningful uplift in analytical precision would require access to Gerber Finance's deal flow, facility sizes, client roster, and any origination-versus-broking versus direct-lending mix, none of which is present in this dataset.

Name

Gerber Finance

Legal name

eCapital Corp.

Website

https://gerberfinance.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Gerber Finance is a privately held, for-profit specialty finance firm headquartered in Atlanta, founded in 1995. The company provides financing intended to support long-term profitable growth and emphasizes building meaningful client relationships.

Ownership category

akta.pro rank

Product category

Commercial Finance

NAICS

All Other Financial Investment Activities (52399)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

akta.pro secondary industry

Small Business Debt Consolidation & Refinance (Owner/SME) (FSAKAIAI)

Keywords

• Commercial finance
• Business growth financing
• Small business lending
• Relationship-based lending
• Growth capital solutions

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Asset-based Lending: Collateral-backed lending using receivables, inventory, and equipment as security for credit facilities
2. A/R Financing: Accounts receivable financing providing immediate cash flow by advancing funds against outstanding invoices
3. Freight Factoring: Invoice factoring services for transportation and trucking companies to improve cash flow
4. Supply Chain Finance: SCF programs for buyers and suppliers including dynamic discounting and B2B buy now pay later
5. Inventory Financing: Capital backed by inventory for businesses with significant stock requirements
6. Payroll Funding: Working capital solutions specifically for staffing companies to fund payroll cycles

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Gerber Finance is a commercial finance firm that provides financing to support long-term profitable growth for its clients and emphasizes building meaningful relationships with them. Based in Atlanta, Georgia, the firm has been operating since 1995 and serves business clients with a small internal team. No specific financing products, facility sizes, or industry verticals are enumerated in the source data.

Product overview

eCapital is a technology-driven specialty finance company operating as a platform-plus-solutions model. The core platform (The Platform) provides the technology infrastructure for working capital financing, supplemented by a Mobile App for client access and Embedded Lending for partner distribution. The product portfolio spans three main categories: Asset-Based Finance products (Asset-based Lending, A/R Financing, Inventory Financing, Acquisition Financing, Asset Refinancing, Exit Financing, DIP Financing, In-transit Financing, CHOW Financing, Healthcare Receivables Financing); Supply Chain Finance products (Supply Chain Finance for Buyers and Suppliers, FastTrack, B2B Buy Now Pay Later, Dynamic Discounting, Reverse Factoring); and Factoring products (Freight Factoring, Invoice Factoring, Sales Ledger Financing, Reverse Factoring, Payroll Funding). Sector-specific solutions include Liquid Inventory for e-commerce/marketplace sellers and dedicated industry financing programs. The company funds facilities from $5 million to $250 million across North America and the U.K.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 30% business growth achieved by clients using e-commerce financing
• +3 more outcomes

Named customers4 records

Segments8 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Turnaround ConsultantscoreGTM or Marketing PartnerReferral partnership with turnaround consulting firms for companies in financial distress or restructuring situations. Consultants refer clients needing financing solutions to eCapital.
• Accountants/CPAscoreGTM or Marketing PartnerReferral network of accounting professionals who recommend eCapital financing solutions to clients with cash flow or working capital needs.
• Commercial Loan BrokerscoreChannel Partner/ Reseller/ DistributorCommercial finance brokers who structure and place asset-based lending and other financing solutions through eCapital for their business clients.
• AttorneysminorGTM or Marketing PartnerLegal professionals referring clients undergoing business transactions, M&A, or restructuring to eCapital for financing needs.
• Financial SponsorscoreGTM or Marketing PartnerPE firms, family offices, and other financial sponsors who refer portfolio companies or deal flow to eCapital for working capital solutions.
• BankersminorGTM or Marketing PartnerCommercial and investment bankers referring clients who need financing beyond traditional bank products.
• Financial AdvisorsminorGTM or Marketing PartnerFinancial advisors recommending eCapital to clients seeking business financing solutions.
• Strategic Advisory FirmsminorStrategic or Co-development PartnerAdvisory firms engaged for complex financing situations requiring specialized expertise or market knowledge.
• Debt Advisors/Debt CounselorsminorGTM or Marketing PartnerProfessionals helping companies navigate debt restructuring who refer financing needs to eCapital.
• Freight BrokerscoreChannel Partner/ Reseller/ DistributorFreight brokers referring carrier clients for freight factoring and transportation financing solutions.
• Technology PartnerscoreTechnology or IntegrationTechnology integration partners for embedded lending platform, enabling white-label financing solutions for ecosystem partners.

Scale indicators7 records

Emerging players

• BlueVine: Tech-enabled SMB financing platform offering invoice factoring, lines of credit, and term loans. Comparable SME target market to Gerber, but differentiated by a fully digital, data-driven underwriting model.
• Fundbox: Digital small business working capital provider using short-term credit and invoice-based advances. Targets a similar SMB borrower profile as Gerber Finance but competes on technology and speed.

Broad incumbents

• eCapital: Much larger tech-enabled specialty finance platform offering asset-based lending, factoring, and supply chain finance to SMBs and mid-market companies. Highly comparable business model, but at significantly greater scale and breadth than Gerber Finance.
• Bibby Financial Services: Global invoice factoring and asset-based lender serving SMBs across multiple geographies. Directly comparable product set (factoring, ABL, lines of credit) and similar SME client base to Gerber Finance.
• Live Oak Bank: U.S. chartered bank specializing in small business lending across niche verticals. Comparable SME target market, though materially larger and balance-sheet funded relative to Gerber Finance.
• OnDeck (Enova): Tech-enabled small business lender offering lines of credit and term loans to SMBs, now part of Enova. Comparable SMB financing thesis, but operates at substantially greater scale than Gerber Finance.

Direct peers

• Crest Capital: Boutique U.S. equipment and small business financing company offering leasing and loans to SMBs. Closely comparable in scale, client segment, and direct-lending approach to Gerber Finance.
• Currency Capital: Specialty small business loan broker and direct lender focused on SBA, working capital, and equipment financing. Operates in the same SME financing niche with a relationship-led approach similar to Gerber Finance.
• Kapitus: Specialty small business financing provider offering revenue-based financing, term loans, and working capital to SMBs. Similar customer profile and product mix to Gerber Finance's likely focus.
• Accion: Small business lender serving underserved SMB borrowers with working capital and term loans. Overlaps with Gerber Finance's likely focus on relationship-based, smaller-ticket SMB credit.

Market position

Strengths3 records

Weaknesses3 records

Key risks4 records

Key highlights3 records

Customer concentration

• Xx.com/gerberfinance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gerber Finance