Lending to Lenders

GCI has a strong track record of providing innovative funding structures to a wide range of non-bank lenders and Fintechs.
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Target Clients

Target Clients

Our target clients are non-bank lenders and Fintechs with strong growth prospects.

GCI has provided structured funding solutions to clients funding multiple asset classes from term loans, invoice receivables, equipment finance, consumer loans, Buy Now Pay Later plans, real estate bridge loans, trail book funding and agricultural finance.

We’re always open to discuss opportunities outside of the above sectors and industries and are excited about discovering new things.

Facility Overview

Facility Overview

Our Lending to Lenders solutions provide flexible funding structures to growing non-bank lenders and Fintechs.

Our funding solutions are:

  • Typically senior debt facilities
  • Secured by physical or financial assets
  • Typically $5 million to $50 million
  • Short to medium loan terms (up to 5 years)

For more detail on innovative and flexible funding structures, start a conversation with our Lending to Lenders team.

Funding Criteria 

Funding Criteria 

Lending to Lenders

Our clients are often unable to attract the attention of traditional sources of debt, or just don’t want to deal with the banks, so our Lending to Lenders team works with them to understand their business and provide a bespoke warehouse funding solution.

When considering an investment, our team will look for:

  • An experienced and capable management team
  • Headquartered in Australia or New Zealand
  • Robust systems and processes
  • Strong collateral
  • Passionate management and shareholders with “skin in the game”
Speak with our team to discuss how we can provide you with a flexible funding structure that meets your individual requirements. Our nimble team and efficient processes mean we can provide a clear path to funding or a quick no.

Providing more than just funding

We think like business owners, not bankers. Our specialist teams will work with you to deal with complexity, and provide you with what we believe is “Value Added Credit” that GCI has become known and respected for. View our case studies here.

Our Value Added Credit approach includes

Insights

Our specialist expertise and analytical frameworks allow us to deal with complexity and fairly value standard and non-standard assets.

  • Our Client has an established trade and debtor finance and FX business with a bank warehouse, and was seeking to expand into equipment finance
  • The Client’s bank funder was not willing to fund the new asset class until it had a proven track record
  • GCI provided a $20 million initial wholesale facility to allow for the establishment of the new product line
  • GCI was able to commercially negotiate terms with the Client’s existing lenders to resolve complex security issues
  • GCI has assisted the Client in developing metrics to monitor as it engages in a new asset class based on our experience in the sector
  • Read the full case study

Advice

Our collective experience and expertise allows us to provide clients with recommendations to reduce risk and optimise growth plans.

  • Our Client is a niche small business unsecured lender who had traditionally been funded by High Net Worth Investors and who was below the scale to attract the attention of mainstream funders
  • We provided their first loan facility of $25 million, which allowed them to double their growth without charging any line fees
  • GCI’s Lending to Lenders specialist team has assisted our Client with building out a best-in-class business intelligence system to allow them to better understand the risks inherent in their own portfolio
  • These reports and reporting processes allowed them to reduce risk, unlock their growth plans, and refinance the facility at half the rate within 18 months of the facility commencing
  • We acted rapidly upon the onset of COVID-19 to give our Client and their shareholders confidence that they had our support to manage the situation as they saw fit
  • Read the full case study

Speed

Our nimble team and efficient processes mean we can provide a clear path to funding or a quick and clear no.

  • Our Client was an emerging Fintech lender, who had engaged in discussions around a senior debt facility for four months with a major global investment bank
  • Upon COVID-19 emerging, the funding partner retreated and our specialist Lending to Lenders team engaged with the Client to provide a wholesale funding facility within 5 weeks from the first introductory meeting
  • Our Client had a highly specialised lending model which our specialist team were able to comprehend quickly and comprehensively eliminating any delay and allowing us to maximise the leverage we could offer
  • The $35 million wholesale facility provided a covenant package which acknowledged the Client’s growth profile and allowed for excess concentrations at commencement, but with a detailed path to a mutually acceptable and secure endpoint
  • Read the full case study

Network

We provide access to our extensive domestic and international networks to support our client’s business and growth.

  • Our Client was an emerging BNPL lender seeking their first non-related party wholesale debt facility in 2017
  • Since providing the first facility, the Client has grown significantly and listed on the ASX
  • GCI initially provided a $10 million wholesale facility which has since been expanded to $20 million and further to $30 million, with an additional $10 million capacity available to be tapped on the same terms
  • Our open and trusted relationship with our Client meant GCI’s founders were able to connect them with a premier senior executive with a strong banking and consulting background to fill an Independent Non-Executive Director. GCI was also able to connect the client with their new CEO, who has over 20 years’ experience in payments and banking
  • This relationship combined with team’s experience, meant we have been able to provide insights into credit policy changes which our Client’s internal team were previously unaware of, and have given them a greater level of security
  • Read the full case study

Flexibility

We provide flexible funding structures to meet individual requirements, with the ability and pragmatism to evolve as circumstances change.

  • Our Client was an emerging BNPL lender seeking their first non-related party wholesale debt facility in 2017
  • Since providing the first facility, the Client has grown significantly and listed on the ASX
  • GCI initially provided a $10 million wholesale facility which has since been expanded to $20 million and further to $30 million, with an additional $10 million capacity available to be tapped on the same terms
  • Over the course of our funding relationship, our Client spent over 24 months engaging with a mainstream debt provider
  • We have regularly amended its facility as the Client’s needs have changed, with approvals consistently being provided within 3 business days
  • Read the full case study