Growth financing powered by your data
€400m funding availible with terms constructed to maximise value creation.
100% non-dilutive
No warrants or equity return components, the Growth Loan is fully non-dilutive.
Maximize cash on bank
Slow repayments lets you keep the money longer and invest bigger.
Delay equity raise
Delay the next round until valuations are up and you've reached your milestones.
Indicators that the timing is right
Gilion will identify when a company has reached predictable and durable growth, which is the ideal timing to inject Gilion financing. High-level indicators that the timing is right are listed below.
Intrest only
B2C or B2B SaaS
Profitability
2-year path to profitability
Customer base
At least 50 customers
Revenue range
1-50M annualized.
A custom approach
2 minutes
Connect your data sources
Request your desired amount and connect the data sources relating to revenue, spend and user behaviour.
1 hour
Get forecasts and growth insights
Once connected no further implementation is needed. It takes about an hour for all data to get processed and forecasted.
1-2 weeks
Enter due diligence
Once forecasts are ready you enter a due diligence process with our finance team, covering financial track record, forecasts, customer base and product.
€400m capital pool for growth through Gilion
All of our clients deals and data are strictly protected, below are a few anonymised cases.
FAQs
How long is your process?
Around 2-4 weeks. Once you’ve connected your data to our growth forecasting platform and we’ve received your business plans, we are typically able to reach a credit decision within a week. Note that the overall process varies depending on the speed of the client.
How does the Growth Loan differ from Venture Debt?
The Gilion Growth Loan is fairly similar to Venture debt, with a few key points of difference. The Gilion Growth Loan is not contingent on equity rounds and it’s 100% non-dilutive, without any warrants or equity kickers. Instead we track your growth and runway to ensure that you have the headroom to repay the loan throughout the term.
Generally we are able to do deals with younger and smaller companies than venture debt firms.
What can I use the loan for?
Use the money however you see fit. M&A, runway extension, marketing, R&D, hiring, geographical expansion, general growth - consider the loan as general growth capital.
It's a business loan for startups.
Are both bootstrapped and venture capital-backed companies eligable?
Yes, the Gilion Growth Loan is available to both venture capital-backed and bootstrapped companies.
Does the Growth Loan come with any warrants or personal guarantees?
No, we do not require any personal guarantees. The Gilion Growth Loan is fully non-dilutive funding, with no attached warrants or equity kickers.
How does the Growth Loan differ from Revenue Based Finance (RBF)?
The Gilion Growth Loan has up to 2 years interest only periods before amortization starts, while RBF’s usually demand repayment instantly. The repayment term is also far longer, up to 6 years while revenue-based financing commonly want the money back after 1-2 years.
Generally, our loans are more cost-effective on an annual basis. While RBF’s may present their interest rates differently, we ensure transparency by always showcasing the true annualized interest. This can occasionally complicate comparisons with some RBF lenders who may advertise low fees for short-term loans.
What type of businesses or sectors are eligable?
B2B and B2C SaaS businesses.
Can I access a loan outside of an equity round?
What is the eligibility criteria to access a Growth Loan?
The eligibility criteria to access a Growth Loan is usually:
– 20+ customers for a B2B business.
– A recurring revenue source, usually a subscription element.
What determines the amount my business is eligible for?
Multiples fluctuate between 0.5 to 2x, depending on your business characteristics, growth forecasts and underlying margins.
How does Gilion operate in Germany?
In Germany Gilion operates as a loan broker through a trade license and is under supervision by Bezirksamt Mitte von Berlin, Ordnungsamt. The loans are granted by a third party bank
What markets are Gilion active in?
We are currently operating in Sweden, Finland, Denmark, and Germany. In 2024 we will expand our full offering to the U.K and U.S.