Certainty in an Uncertain World™


GemCap, an innovative lending firm, provides senior-secured, commercial asset-based loans to low and middle market businesses within the United States & Canada, as well as in-transit inventories en route to the United States. Loans range from $1 million to $10 million. Collateral groups include: inventories (consumer & industrial), receivables, and equipment.

It’s easier to list loans we won’t make: Anything that needs to be watered or fed (e.g., live cows, monkeys or flowers), medical receivables, real estate, progress billing, high-tech inventories, federal government receivables, hazardous materials, and personal loans.

Our customers reflect life. 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”.