Last reviewed: October 2, 2026
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.
Summary verdict
Gibraltar Business Capital, based in Northbrook, Illinois, is an asset-based lender to lower middle market companies, especially those in transition. It says it is a portfolio company of Hercules Capital, Inc. (NYSE: HTGC) and expanded to credit facilities up to $100MM in July 2022 (Gibraltar About). Note: the address on our list, gibraltarcap.com, is a domain for sale (Domain listing); the company's site is gibraltarbc.com (Gibraltar About). BBB lists Gibraltar Business Capital with an A+ rating, not accredited (BBB).
Paper Grade: TBD
Gibraltar lends to established lower middle market companies against their assets but does not publish borrower minimums (Gibraltar About). We have not assigned a grade. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 7.5 / 10 (reputation rank: tied #16 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +0.5 for an A+ BBB rating without accreditation, +1 because BBB lists the business as started in April 2010 (BBB), and +1 because our searches of regulator sites, court records and news coverage turned up no regulator orders or court judgments in which it is a named party. BBB shows no reviews or complaints. The total is 7.5.
About the Paper Grade: it reflects only the borrower profile and deal type the lender targets (stated credit, time-in-business and revenue minimums, and product type). It is not a judgment of the lender's quality. A = strong credit (about 625–650+), established businesses, APR-priced loans or lines. B = fair credit (about 600+), short-term or factor-rate products. C = credit about 500–599, younger businesses, MCA or revenue-based, or sales-based platform financing with no credit check. D = minimal credit requirements, very new businesses, stacked positions or high-risk industries. Lawsuits and regulator actions never change the Paper Grade.
About the Research-Based Reputation Score (1–10, half-points): it summarizes public signals and is not the opinion of MCAFax. Every lender starts at 5.0. Points are added for BBB accreditation and an A+ rating, years in business, strong Trustpilot ratings, and a clean record (no regulator orders or court judgments in which the lender itself is a named party). Points are subtracted for a BBB rating of C− or lower (−1), a BBB customer-review average below 2.5/5 (−0.5), recurring complaint themes (−0.5 to −1), and a pending class action (−0.5). Government actions are scored only when the lender itself is a named party: −1 for a settled action not about borrowers, −2 for a regulator consent order with a penalty and no admission, −3 for active enforcement or a final order about borrower treatment, and −5 for an industry ban or court finding of liability. The lowest score, 1.0, is reserved for lenders under an industry ban or a final fraud judgment. Ratings we could not read score zero, and routine collection suits are not scored. Every point applied to this lender is listed above. Ranks are as of the date shown; MCAFax cannot confirm or deny any allegation counted here.
At a glance
| Item | Details |
|---|---|
| Product | Asset-based credit facilities up to $100MM (Gibraltar About) |
| Ownership | Hercules Capital portfolio company since March 2018 (Gibraltar About) |
| HQ | 400 Skokie Blvd #375, Northbrook, IL (Gibraltar About) |
| Website | Gibraltarbc.com; the listed gibraltarcap.com is a domain for sale (Domain listing) |
| BBB | A+, not accredited (BBB) |
What borrowers and reviewers report
- Themes: we found no BBB reviews or complaints (BBB).
Who it may suit, and who may want to skip it
May suit: lower middle market companies seeking asset-based credit during a turnaround, acquisition or rapid growth. May want to skip: small businesses looking for a small term loan or MCA.
What to do next
Been contacted by Gibraltar Business Capital? Report the phone number or email that reached you, and sign up to block unwanted funding calls. → Report a number or email (https://mcafax.com/report?lender=gibraltar-business-capital)
Looking for funding? Tell us what you need, and we'll help you compare Gibraltar Business Capital with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=gibraltar-business-capital)
Sources (accessed October 2, 2026)
Gibraltar Business Capital homepage: gibraltarbc.com
Gibraltar About page: gibraltarbc.com
Gibraltarcap.com (domain for sale, checked October 2, 2026): gibraltarcap.com
BBB profile, Gibraltar Business Capital: https://www.bbb.org/us/il/northbrook/profile/financial-services/gibraltar-business-capital-0654-90009805
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.