GCap Financing

We work closely with the SBA, USDA and other government agencies to help our customers maximize capital resources. Whether you are looking to purchase, refinance or build real estate, buy or refinance equipment, acquire a business, or finance the growth of your business, we will work with you to help dreams come true.

SBA and other government guaranteed loan programs offer many advantages over traditional financing such as lower monthly loan payments and lower initial down payments. Your business can take advantage of these government guarantees while working with your local community bank.

You can rely on GCap and the Peoples Bank of Alabama team to be your preferred lending resource.

GCap stands for Growth Capital. In other words, this is when you leverage your precious cash to get the maximum bang for your buck so you can grow and expand your business. We know how hard you have worked to get your business going and we want to help you take it to the next level.

GCap Financing offers a full array of financing tools to help you purchase, construct or expand your owner-occupied real estate, refinance or purchase equipment and provide working capital while helping you maximize your capital.

Leverage our decades of experience in helping business owners meet and exceed their goals. We welcome the opportunity to add your business to the long list of satisfied customers.

Business & Real Estate Loans

$50,000 to $9,000,000 for the purchase of commercial real estate (owner/user)
Up to 90% LTV available
Terms up to 25 years
Very competitive fixed and adjustable rates
Principal and interest payments monthly
Fully amortized, no balloon payments
Most all business property types are eligible

Business Acquisition

Loans from $100,000 to $5,000,000 can be used to purchase business assets, stock and goodwill
Borrower must have at least 10% cash injection
Loans amortized up to 10 years
Emphasis placed on business cash flow and management
Competitive rates
Collateral can include business and/or personal assets

Working Capital

Loans from $50,000 to $2,000,000
Permanent working capital for business growth
Debt consolidation loans, if eligible
Up to 7 year term
Principal and interest monthly, fully amortized
Fixed and adjustable rates available
Collateral can include real property, equipment and personal assets

Equipment Financing

$50,000 to $5,000,000 for the purchase of equipment
Up to 90% LTV available
Terms from 5 to 25 years, depending on the equipment type
Fixed and adjustable rates
Principal and interest payments monthly
Fully amortized, no balloon payments
Most all equipment types are eligible
Collateral is usually the equipment; however, additional collateral may be required as needed

Lines of Credit

Loans from $100,000 to $2,000,000
To provide cash until accounts receivable and/or inventory is sold
To fund material and labor costs for a specific contract
Terms from 12 months to 5 years
Interest payments monthly, principal due as collected or at maturity
Collateral assignment of business assets and outside assets as needed