Grow the distance
Big milestones, need a big loan
Gilion loan products are currently not available to businesses outside of Sweden, Denmark, Germany, and Finland.
The Growth Loan
A clean deal, 100% non-dilutive
We know that every percentage adds up throughout ambitious growth journeys. That is why the Growth Loan has no convertible elements, warrants, equity kickers or hidden fee’s. It is 100% non-dilutive, minimising both cost of capital and complexity down the line.
Sometimes bigger is better
Lending is a trust business. The more you trust somebody, the more you lend them. Thanks to our mix of deep human interaction and cutting-edge data analysis we really know our clients' business. Which means we can give access to a lot of money. Or actually, just as much as they need to achieve their goals.
Our loans are long, so what?
One of your most important choices as a borrower, maybe surpassing even interest rate, is the structure of the loan. If you for instance take a typical revenue based loan, between the fees and quick prepayment, you might actually have less cash than when you started 12 months down the road.
The Growth Loan has two features. First you don’t start prepaying at all for the first two years, once you start, you can choose to repay in straight instalments over up to four years. That means you’ll have double the amount of cash left after 2 years than in a similar sized bank loan, and it’s a whole other universe than revenue based, or traditional SME loans.
The lowest cost of capital
Our competition will tout their low fees. The problem with RBF’s is that they will charge that fee at every single repayment, resulting in an actual annual interest rate of over 20%. At Gilion we transparently state the yearly cost and you pay it like a normal interest rate. Other players add warrants or convertibles on top of interest. When you calculate total cost of capital it is often above 20%. Please give it a try. We only charge interest. Resulting in a substantially lower cost of capital when all is said and done.
Are we a match?
Finland
Denmark
Germany
UK
Family Office
Angel Private
Equity
Bootstrapped
Use cases
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