Grow the distance
AI reduces the risk
Gilion loan products are currently not available to businesses outside of Sweden, Denmark, Germany, and Finland.
Gilion loan products are currently not available to businesses outside of Sweden, Denmark, Germany, and Finland.
The Growth Loan
AI reduces risk
What a lender doesn't understand is automatically seen as a risk. Startups are by nature hard to understand, hence passed off or treated as risky. At Gilion we are training the most advanced AI models in the credit field with vast business critical data, enabling us to offer terms that nobody else can.
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 fees. It is 100% non-dilutive, minimising both cost of capital and complexity down the line.
Sometimes bigger is better
Lending is fundamentally built on trust. The greater the trust, the greater the lending potential. At Gilion, we combine personal, in-depth interactions with advanced data analytics to thoroughly understand your businesses. This unique approach allows us to provide precisely the right amount of capital for you to achieve your goals.
Our loans are long, so what?
One of the most crucial decisions as a borrower, often even more important than the interest rate, is the loan structure. For instance, with a typical revenue-based loan, high fees and rapid repayment can leave you with less cash than you started with after 12 months.
Introducing the Growth Loan: it offers two unique features. First, you won’t start repaying for up to the initial two years. After that, you have the flexibility to repay in straight installments over up to four years. This means you can retain twice the amount of cash after two years compared to a similar-sized bank loan, offering a stark contrast to 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 disclose the annual cost, which you pay as a standard interest rate. Unlike others, who add warrants or convertibles on top of interest, our model is straightforward. When you calculate the total cost of capital with others, it often exceeds 20%. We only charge interest, resulting in a significantly lower overall cost of capital.
Are we a match?
Primarily SaaS
SaaS, Consumer Subscription or tech businesses with significant recurring or predictable revenue.
ARR of 1M+
Annual Recurring Revenue greater than EUR 1 million.
Underlying profitability
With our loan, you have the ability to turn turn cash flow positive within 24 months.
Hendrik Jacobsson
Founder & CEO HaileyHR
“This is a brilliant way to fund a company and our first choice. I am pro lending because for us it's a priority to remain in control and have fun along the journey."
Meet your new devoted partner
Find a partner in your home market who matches your energy
The Gilion team is known for their energy, empathy and deep understanding of scaling startups. Entrepreneurs save years in communication when when partnering with us, as we all speak the same language.
Built with Gilion
Our AI models have funded numerous successful companies across Europe.
More data, flowing in realtime, processed by advanced AI-models – allows for a more accurate view on risk in early stage. Read about the entrepreneurs who leveraged Gilion for their growth below.
