Every deal combines the right layers of debt for what the business needs. We design the structure, write the credit paper and run the process across 650+ lenders, with no upfront fee.
These are illustrative examples of how GBF typically structures funding for each need, not completed transactions. Every deal is structured to the business, and all finance is subject to status and lender approval.
Manufacturing - illustrative
Management buyout of an engineering business
A management team buying out a retiring founder, with limited personal funds to invest.
Senior term loan sized on cash flow, typically up to 4x EBITDA
Asset based lending on debtors, stock and plant for working capital
Vendor loan note for part of the price, ranking behind the lenders
Combining cash-flow debt with an asset based facility usually raises more than either alone, and a vendor loan note lets the seller receive a fair price without loading the business with bank debt. The team's own investment shows commitment without needing to fund the whole equity gap.
A growing distributor whose overdraft and invoice discounting line no longer kept pace with stock and sales.
One asset based lending facility: debtors up to 90%, stock up to 90% of NOLV
Owned warehouse as a term loan inside the facility, up to 80% of value
Trade finance alongside for supplier payments
Moving several separate facilities onto one borrowing base typically increases availability and simplifies reporting, and the limit grows as the business builds stock for peak trading.
Acquisition of a competitor with term debt and revolving credit
A profitable firm buying a competitor and wanting headroom for further acquisitions.
Senior or unitranche acquisition loan, up to 5x EBITDA on acquisitions
Revolving credit facility for working capital
Accordion to fund the next acquisition without a new process
Planning the buy-and-build headroom at the start means the first lender is the right partner for the whole strategy, and the revolving facility keeps the enlarged group's cash flow comfortable after completion.
Residential development with senior and mezzanine debt
An experienced developer with planning consent looking to reduce the equity needed for a scheme.
Senior development loan up to 72.5% of GDV, drawn in stages
Mezzanine tranche taking total funding up to 90% of cost
Development exit loan at practical completion
Adding mezzanine behind the senior lender frees equity for the next site, and planning the exit from the start lets units sell at full value rather than at a discount to meet a build loan deadline.
An investor buying a property that needed refurbishment before a long-term lender would fund it.
Bridging loan for the purchase and works, on a 1 to 24 month term
Commercial or investment mortgage to refinance once let
A bridge funds the purchase quickly and covers the works, and agreeing the long-term refinance route at the outset gives the bridging lender a clear exit.
An owner-managed business with recurring revenue funding new hires and product investment.
Term loan or recurring revenue facility sized on contracted income
Revolving credit for working capital headroom
Lenders that understand recurring revenue can lend against contracted income rather than last year's profit alone, so the business funds growth without giving up equity.