GB Lease & Factoring

What GB Lease & Factoring does

GB Lease & Factoring is an Egypt-based non-banking financial institution established in 2008 by the late Dr. Raouf Ghabbour and operated within the GB Corp / GB Capital ecosystem. Regulated by the Egyptian Financial Regulatory Authority (FRA) under Law No. 176 of 2018, the company delivers two core service lines: long-term financial leasing (Direct Lease, Sale & Leaseback, Structured Lease, Vendor Finance) covering asset categories including real estate, vehicles (including EV fleets), industrial machinery, medical equipment, and IT/intangible assets; and short-term working-capital facilities through factoring (domestic, reverse, purchase-order, supply-chain, and international factoring), enabled by a factoring license obtained from FRA in 2023.

The company's technology stack is built around leasing and factoring origination systems supported by a securitization execution platform. Since 2018, GB Lease has closed at least eight successive securitized bond issuances, culminating in the largest single leasing securitization in the Egyptian market at EGP 4.16 billion in 2025 under a newly established 3-year multi-issuance program valued at EGP 15 billion, advised and arranged by CI Capital, Commercial International Bank, and Arab African International Bank. Capital structure is reinforced by 17 banking partnerships that provide underwriting, custodial, and referral functions.

Revenue mechanics combine recurring rental streams from multi-year lease contracts (subscription-style), transaction-based fees on factoring facilities, and capital-markets activity through securitization placement. Go-to-market is sales-led and direct, targeting SMEs, large corporates, and multinationals across 38 industries in Egypt, supplemented by referral flows from the banking partner network. The company reports EGP 67 billion in cumulative finance transactions since inception, 2,300+ disbursed lease contracts, and 500+ served clients. Ownership is split between GB Capital (controlling) and Chimera Investments LLC, an Abu Dhabi Royalty Fund that acquired a 45% stake in December 2022.

Name

GB Lease & Factoring

Legal name

GB Lease and Factoring

Website

https://gblease.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

501–1,000 employees

Short description

GB Lease & Factoring is a Cairo-headquartered, FRA-regulated non-banking financial institution founded in 2008 that provides leasing and factoring solutions to SMEs, corporates, and multinationals across 38 industries in Egypt, backed by 17 banking partners and a leading securitization platform.

Ownership category

akta.pro rank

Product category

Commercial Leasing & Factoring

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Rental and Leasing Services (532), Funds, Trusts, and Other Financial Vehicles (525), Other Commercial and Industrial Machinery and Equipment Rental and Leasing (53249)

SIC

Finance Lessors (6172), Asset-Backed Securities (6189), Security Brokers, Dealers & Flotation Companies (6211), Services-Equipment Rental & Leasing, Nec (7359)

akta.pro primary industry

SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH)

akta.pro secondary industries

Private Placements (144A/Reg S/MTN) (FSACABAK), Leasing & Lease Buyout Financing (FSAKADAC), SME & Small Business Vehicle Leasing (TLABAAAB)

Keywords

• Financial leasing services
• Factoring solutions
• Asset financing
• Working capital financing
• Securitization programs

Headquarters

HQ city

Gîza

HQ country

Egypt

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Leasing Services: Long-term financial leasing solutions allowing businesses to use and eventually own various assets through structured rent payments with ownership transfer options at lease end. Covers diverse asset categories including real estate, vehicles, industrial machinery, medical equipment, and IT assets.
2. Factoring Services: Short-term working capital facilities through various factoring mechanisms including domestic factoring, reverse factoring, purchase order financing, supply chain financing, and international factoring. Converts accounts receivable into immediate cash.
3. Securitization Program: First issuance under a 3-year multi-issuance program valued at EGP 15 billion total, with the inaugural issuance at EGP 4.16 billion. Financial advisors and lead arrangers include CI Capital, Commercial International Bank, and Arab African International Bank.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

GB Lease & Factoring is an Egyptian non-banking financial institution that provides businesses with long-term financial leasing solutions and short-term working capital facilities through factoring mechanisms. Its portfolio spans direct lease, sale & lease back, structured lease, vendor finance, domestic factoring, reverse factoring, purchase order financing, supply chain financing, and international factoring, covering assets such as real estate, vehicles, industrial machinery, medical equipment, and IT assets. Services are offered exclusively to registered legal entities and are regulated by the Financial Regulatory Authority (FRA).

Product overview

GB Lease & Factoring offers a comprehensive portfolio of financial services centered on leasing and factoring solutions. The company operates two main service lines: (1) Financial Leasing covering Direct Lease, Sale & Lease Back, Structured Lease, and Vendor Finance across diverse asset categories including real estate, vehicles, industrial machinery, medical equipment, and IT assets; and (2) Factoring Services encompassing Domestic Factoring, Reverse Factoring, Purchase Order Financing, Supply Chain Financing, and International Factoring. Together, these products provide businesses with long-term capital expenditure financing through leasing and short-term working capital solutions through factoring mechanisms, all regulated by Egypt's Financial Regulatory Authority (FRA).

Differentiator

Problem solved

Functional benefit

Products and services

• Direct Lease Enables businesses to acquire new and used assets from preferred suppliers without upfront capital outlay. The leasing company purchases the asset and leases it to the business through agreed periodic rent payments, with full ownership transferred at the end of the lease term.
• Sale & Lease Back Provides an opportunity for businesses to monetize existing assets. The leasing company purchases the asset from the lessee and leases it back, creating a new source of cash while allowing continued use of the asset.
• Structured Lease Customized leasing arrangement designed to meet specific financial and operational needs, including flexible payment schedules, true lease with residual value, balloon payments, vendor financing, or tri-partite agreements.
• Vendor Finance Financial arrangement where a leasing company partners with vendors (suppliers or manufacturers) to offer financing options to vendor customers, allowing acquisition of equipment, machinery, or other assets without full upfront payment.
• Domestic Factoring Provides immediate cash by purchasing domestic accounts receivables, helping businesses improve liquidity and maintain healthy cash flow.
• Reverse Factoring As a buyer, enables payment to suppliers early while keeping extended payment terms, strengthening supplier relationships and optimizing working capital.
• Purchase Order Financing Provides funds needed to fulfill large customer orders without cash flow strain, ensuring ability to pay suppliers upfront and meet delivery timelines while maintaining strong working capital position.
• Supply Chain Financing Allows suppliers to receive early payments on invoices while buyers benefit from extended payment terms, improving cash flow for both parties and ensuring smooth flow of goods and services.
• International Factoring (Export & Import)

Quantifiable outcome

• 67 Bn EGP in total finance transactions since inception
• +3 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered minor and core.

• Baker TillyminorOthers · 8 January 2025Served as official auditor for the securitization transaction, providing independent financial auditing services.
• Dreny & PartnerscoreImplementation/ SI/ Consulting Partner · 8 January 2025Legal advisor that advised GB Lease & Factoring on the EGP 4.16 billion securitization transaction. Provided legal counsel for the first issuance under the 3-year multi-issuance program.
• GB CapitalcoreStrategic or Co-development Partner · 1 January 2015Parent entity established in 2015, under which GB Lease operates as part of GB Capital's non-banking financial ventures. Part of the broader GB Corporation ecosystem including GB Auto, GB Logistics, GB Ventures, and GB Academy.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• EFG Finance Holding: Part of EFG Hermes group, offering a broader suite of NBFC and financial services in Egypt including leasing. Larger incumbent with overlapping customer base and broader product portfolio.
• Beltone Financial Holding: Egyptian financial services group offering investment banking, brokerage, asset management, and NBFC services. Broad incumbent serving overlapping corporate client base in Egypt.
• Commercial International Bank (CIB) Egypt: Egypt's largest private-sector bank, providing leasing, factoring, and corporate banking products. Both a partner of GB Lease (in the EGP 4.16B securitization) and a competitor in SME finance.

Direct peers

• MNT-Halan: Egyptian fintech and NBFC providing consumer finance, leasing, and working capital solutions. Direct peer expanding into SME and corporate segments that overlap with GB Lease's customer base.
• Al Ahly for Leasing and Factoring (ALEF): Subsidiary of National Bank of Egypt providing leasing and factoring services. State-backed direct competitor operating in the same Egyptian SME and corporate segments as GB Lease.
• Contact Financial Holding: Egyptian non-banking financial services company listed on EGX offering leasing, factoring, and consumer finance. Closest direct competitor to GB Lease in Egyptian corporate leasing and securitization.
• Sarwa Capital Holding (EFG Hermes): Egyptian securitization and financial services company, integrated into EFG Hermes. Direct peer in issuing asset-backed securities and providing leasing/factoring solutions in Egypt.

Regional players

• Tamweel Aloula Finance Company: Saudi-based Shari'ah-compliant real estate and equipment financing company. Regional peer in MENA leasing market, comparable in asset-based lending focus but operating in Saudi Arabia.
• Mawarid Finance Company: Leading Saudi closed-joint stock leasing company providing finance leases and asset financing. Regional peer operating in a much larger Saudi market, comparable in business model but not geography.
• Amlak Finance (Emirates NBD Group): UAE-based Shari'ah-compliant home and real estate finance provider, now part of Emirates NBD. Regional peer in MENA asset-based finance, comparable in business model but operating in a different geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/gb-lease-factoring

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors

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

M&A

Investments

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

Frequently asked questions about GB Lease & Factoring