Working capital funding covers the day-to-day cash requirement of a trading business: paying suppliers before customers pay you, funding stock ahead of a season, or bridging the gap created by rapid growth. Facilities range from committed revolving lines with a bank to cash-flow term loans and private credit for companies with strong earnings but limited security.
- Revolving credit facilities that flex with the trading cycle
- Cash-flow term lending priced against EBITDA rather than assets
- Private credit where bank appetite is constrained by sector or leverage
Trade finance funds the gap between paying an overseas supplier and being paid by the end buyer. Structures are built around the transaction rather than the balance sheet, which makes them accessible to companies whose growth outpaces their retained earnings.
- Import finance and letters of credit for confirmed supplier orders
- Pre-export and purchase-order finance against contracted offtake
- Supply-chain finance programmes anchored on a strong buyer
Receivables finance releases cash tied up in an approved sales ledger, either as a whole-book facility or on a selective, invoice-by-invoice basis. Non-recourse structures also transfer buyer credit risk, which can support balance-sheet treatment as a true sale.
- Confidential invoice discounting for established ledgers
- Selective and single-invoice finance for lumpy contracts
- Non-recourse receivables purchase with credit insurance
Asset finance funds plant, machinery, vehicles and production equipment against the value of the asset itself, preserving cash and existing bank lines. Sale and leaseback releases capital from equipment already owned, and export credit agency support can extend tenors on imported capital goods.
- Hire purchase and leasing across new and used equipment
- Sale and leaseback to release equity from owned assets
- ECA-supported terms on imported capital equipment
Commercial property finance covers the acquisition or refinance of income-producing and owner-occupied real estate. Pricing and leverage follow the quality of the income stream, the covenant of the tenants and the liquidity of the asset class.
- Investment mortgages sized on rental cover and loan-to-value
- Owner-occupied lending assessed on trading performance
- Commercial bridging for time-critical acquisitions
Development finance is drawn in stages against certified construction progress and repaid from sale or refinance on completion. Capital stacks frequently combine senior debt with mezzanine or preferred equity to reduce the sponsor's cash requirement.
- Senior facilities sized on gross development value and cost
- Mezzanine and preferred equity to stretch total leverage
- Joint-venture equity for experienced developers
Project finance funds a discrete asset through a special-purpose vehicle, with repayment coming from the project's own cash flows on a limited-recourse basis. Diligence focuses on contracts: construction, offtake, operations and maintenance, and the allocation of risk between them.
- Limited-recourse senior debt sized on contracted cash flows
- Multilateral, development bank and ECA participation
- Long-tenor structures for infrastructure and energy assets
Energy funding spans development capital for early-stage pipelines, construction debt, and long-term amortising facilities secured against power purchase agreements or regulated revenues. Storage and grid assets are increasingly financeable where revenue stacking is contracted.
- PPA-backed and contract-for-difference supported debt
- Construction-to-term facilities for solar, wind and storage
- Energy-transition capital for industrial decarbonisation
Acquisition finance funds the purchase of a business or a controlling stake, sized on the sustainable earnings of the combined group. Structures range from senior bank debt for conservative multiples to unitranche and mezzanine where speed and flexibility matter more than headline cost.
- Senior and unitranche debt against normalised EBITDA
- Mezzanine and vendor-loan layers to bridge the equity gap
- Introductions to private equity and family office capital
Shipping and aviation finance is asset-led, secured by mortgage over the vessel or aircraft and supported by charter or lease income. Lenders assess age, specification, employment and the operator's technical management as much as balance-sheet strength.
- Acquisition and refinance facilities secured on the asset
- Charter-backed and lease-backed amortising structures
- Sale and leaseback with specialist lessors
Refinancing replaces existing debt to reduce cost, extend tenor, release equity or exit a lender whose appetite has changed. Where a business is under pressure, special-situations lenders can provide capital on a shorter timetable than mainstream banks.
- Senior replacement facilities on improved terms or tenor
- Bridge finance ahead of a sale, refinance or capital raise
- Special-situations capital for time-critical outcomes
Growth capital funds expansion that outpaces retained earnings: new markets, new capacity, or acquisition-led consolidation. Debt structures avoid dilution where cash flow allows; strategic and family office capital suits earlier-stage or capital-intensive plans.
- Growth and venture debt with limited or no dilution
- Recurring-revenue facilities for subscription businesses
- Introductions to strategic and family office investors
Some requirements do not fit a standard product: unusual assets, cross-border collateral, hybrid debt and equity, or a combination of several facilities. GFG structures these requirements and takes them to providers with a mandate for the specific risk.
- Hybrid debt and equity structures
- Cross-border and multi-asset collateral packages
- Combined facilities arranged with several providers