Certainty in an Uncertain World™


GemCap, an innovative lending firm, provides senior-secured, commercial asset-based loans and invoice factoring to low and middle market businesses within the United States & Canada, as well as in-transit inventories en route to the United States. Factoring range from $50 thousand to $5 million. ABL loans range from $1 million to $10 million.

We finance stuff. Collateral groups include: inventory (consumer & industrial), accounts receivable, and equipment. Industries we have lent to include: heavy and light manufacturing, food and beverage, retail and wholesale consumer goods, auto finance, farm and agricultural products, commodities, raw materials, and more. We generally don’t lend on: real estate, progress billing, hazardous materials, and personal loans.

Our customers reflect life and can be in any stage of the business cycle. We welcome “traditional” borrowers, as well as those with non-traditional circumstances. Growth capital; start-ups; acquisitions, bridge loans, turnarounds, experienced losses. The good and the bad, our job is to help you get from point “A” to point “B”.