A better alternative to Revenue Based Financing

Big milestones, need a big loan

Read some of our financing cases

Gilion loan products are currently not available to any businesses located outside Sweden, Demark, 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 borrowers. So we can lend them a lot of money. Or actually, just as much as they need to achieve their goals.

TICKET SIZE
100% of ARR

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.

Our loans have 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.

INTEREST ONLY
Up to 2 years
AMORITISATION
Up to 4 years

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?

01
Sectors
Primarily SaaS. We are open to other tech sectors with significant recurring revenue.
02
Stage
Annual Revenue greater than EUR 1 million.
03
Geography
Sweden
Finland
Denmark
Germany
[UK]
04
Solid Fundamentals
You are on a predictable growth path, and using the proceeds from the Gilion loan you should have the ability to turn cash flow positive within 12 months.
05
Shareholding
Venture Capital
Family Office
Angel Private
Equity
Bootstrapped
01
Sectors
Primarily SaaS. We are open to other tech sectors with significant recurring revenue.
02
Stage
Annual Revenue greater than EUR 1 million.
03
Geography
Sweden, Finland, Denmark, Germany
05
Shareholding
Venture Capital, Family Office, Angel, Private Equity, Bootstrapped
04
Solid Fundamentals
You are on a predictable growth path, and using the proceeds from the Gilion loan you should have the ability to turn cash flow positive within 12 months.

Use cases

Reach your valuation milestones faster
Build a bridge to profitability
Protect your cap table to maximize future exits or growth rounds.
Seize opportunities like mergers and acquisitions, expanding into new countries and making strategic hires.

Powerhouse in document verification

Ticket size:

€2M

The German healthtech giant

Ticket size:

€2M