Gibraltar Business Capital

Gibraltar Business Capital is a nonbank asset-based lender focused on lower middle market companies across the United States. It targets businesses navigating transitions — turnarounds, acquisitions, rapid growth, or tightened bank credit — and offers working capital facilities ranging from $10 million to $100 million. Products include accounts receivable financing, inventory financing, equipment finance, and commercial real estate financing, alongside more structured ABL solutions such as revolvers, term loans, FILO facilities, and unitranche arrangements. There is no minimum credit score or time-in-business requirement, though a minimum monthly revenue of $250,000 applies. Gibraltar secured a $150 million line of credit with Bank of America (announced 2021), signaling institutional backing. Website testimonials from clients including Prodigy Health, GloryBee, and Revolution Foods cite speed, collaboration, and tailored structuring. With deal sizes starting at $10 million, Gibraltar appears best suited for established lower mid-market businesses that have outgrown community banks or need more flexible collateral-based structures.