Editorial Brief No. 042 — A Direct-Funder Memo to Operators
GFAF underwrites and funds asset‑backed loans from $50K to $5M with a term sheet in two business days and funded capital inside ten. No broker markup. No syndication. No re-paperwork chain when your truck order, project mobilization, or inventory buy can't wait on a loan committee.
§ 01 — Deal Flow
Every GFAF file moves along the same four-stage path. Timelines are attached to each stage, not buried in a term sheet. The point isn't speed theater — it's that an operator knows on Tuesday whether the equipment lands on Friday.
Submit the short intake form with deal size, collateral class, and three months of bank statements. Our portal returns a checklist specific to your collateral — no 80-field PDF, no chasing a banker.
An underwriter in Austin — not a routing engine — works the file with collateral valuation, DSCR, and a soft credit pull. On 92% of submissions since 2021, a written term sheet leaves the building inside 48 hours.
Our in-house legal team draws the loan docs in eleven states; we don't outsource closings. UCC filings, title perfection, and insurance tracking are coordinated end-to-end. No three-way email thread with an outside firm.
Funds wire to the operator's account on a standard 10-business-day close. Faster on equipment-in-hand deals; longer on new-purchase draws. Either way, you get a date and a routing number — not a "pending" status.
§ 02 — Capital Programs
Every program sits on the same underwriting discipline and the same 48-hour decision clock. Pick the one that matches your collateral and the operator's use of proceeds; we'll structure the rest.
Program 01 · Featured
Revolving asset-backed facility for operators who re-deploy working capital weekly.
Built for staffing agencies paying weekly payroll, e-commerce operators stocking Q4, and distributors bridging large POs. Draw, repay, redraw — without re-applying.
Read program detail →Program 02
Trucks, trailers, yellow iron, machine tools, medical and ag equipment. First-lien on titled collateral; funds delivered against bill of sale or refinance payoff.
Read program detail →Program 03
For B2B operators with 30–90 day payment terms from creditworthy customers. Same-day funding on approved invoices; non-recourse for investment-grade obligors.
Read program detail →Program 04
For distributors and e-commerce resellers with a confirmed purchase order from a creditworthy buyer. Funds the supplier deposit and balance; payoff at delivery and net-30 clearing.
Read program detail →Program 05
Powersports, RV, marine, equipment dealers and seasonal retail. Each unit is its own line; payoff as it sells. Audits and lien tracking handled by GFAF portfolio team.
Read program detail →Program 06
For operators who qualify for SBA pricing but can't survive a 90-day SBA timeline. GFAF bridges with conventional capital first, then refis into the SBA-delivered loan once it clears.
Read program detail →Average funded ticket in 2024: $312,000. Repeat borrower rate: 41%.
Match Me to a Program →§ 03 — Industry Verticals
Specialization beats generalization in asset-backed credit. Each industry below has a portfolio lead, an underwriting playbook, and a capital pool reserved for it — so the file you submit today isn't competing against a consumer refi.
Owner-operators, small fleets, and 3PLs. Tractor and trailer financing, fuel cards, and working-capital lines for fuel, insurance, and driver payroll cycles.
$148M underwritten · 1,090 deals
Excavation, electrical, HVAC, mechanical, and specialty subs. Yellow iron, work trucks, and progress-billing AR facilities for project-driven cash flow.
$112M underwritten · 740 deals
Light-industrial, clerical, healthcare, and skilled-trade staffing. Weekly-payroll working capital against confirmed W-2 receivables and back-office cleanups.
$71M underwritten · 480 deals
Amazon FBA, Shopify, and omnichannel resellers. Inventory floor plans, PO financing against supplier deposits, and AR lines for B2B wholesale arms.
$54M underwritten · 360 deals
Job shops, CNC, metal fab, plastics, and food processing. Machine-tool financing, raw-material PO lines, and bridge capital for large contracts.
$43M underwritten · 240 deals
Restaurants, ghost kitchens, distributors, and CPG brands. Equipment term loans, supplier-credit lines, and franchise rebrand financing.
$26M underwritten · 165 deals
Dental practices, vet clinics, med-spas, and DME suppliers. Equipment financing, practice acquisition lines, and AR facilities against insurance receivables.
$19M underwritten · 105 deals
Row-crop and livestock operators, equipment dealers, and outdoor-power retailers. Seasonal floor plans, equipment term loans, and operating lines tied to harvest or selling season.
$14M underwritten · 60 deals
Funded deals across 49 U.S. states and 3 Canadian provinces. Capital programs are not available for consumer, family, or household purposes.
§ 04 — By the Numbers
These figures come from GFAF's audited portfolio records and the 2024 FinanceBuzz Top Specialist Lender submission. They're published because operators underwrite their lenders too.
$487M
Underwritten since 2017
Across 3,140 funded deals to date
3,140
Funded deals
Average ticket $312,000
92%
Decisions in 48 hours
On submissions received since 2021
38%
First-look approval
vs. industry average near 11%
41%
Repeat borrower rate
Operators returning for deal #2 or beyond
71
Net Promoter Score (2024)
Across funded borrowers
74
People in Austin, TX
Underwriting, portfolio, capital markets
$22M
Series A (2023)
Led by Lattice Capital Partners
Recognized as Top Specialist Lender — SMB at the FinanceBuzz Awards 2024 and a member of the American Association of Private Lenders since 2018. SOC 2 Type II certified for underwriting data handling, audited 2024.
§ 05 — For Brokers & Vendors
GFAF originates on its own balance sheet. That means brokers, ISOs, equipment vendors, and PE sponsors get a direct counterparty, a direct payout, and a file that doesn't get shopped down the street for a better spread.
Channel A
Submit a file through the broker portal or via email. Decisions inside 48 hours, funded inside 10 business days. Standard broker compensation on closed deals — disclosed on term sheet, paid at funding.
Channel B
Point-of-sale financing for your customers with floor plan or retail installment options. GFAF underwrites the buyer, you ship the equipment. White-labeled docs available for dealer-branded retail contracts.
Channel C
Acquisition financing, add-on lines, and bridge-to-SBA structures for portfolio companies. GFAF works alongside sponsor counsel and the seller's broker with a clean direct-lender term sheet on a known timeline.
Channel D
For the bookkeeper, controller, or fractional CFO who fields the capital question for an operator. GFAF provides a one-page program matrix and a named deal-team contact so advisory work doesn't bottleneck on lender shopping.
§ 06 — Underwriting Standards
GFAF is a collateral-first underwriter. The credit decision lives in the asset and the cash flow, not in a single FICO score. Here are the floors and the documents that drive a 48-hour decision.
All deals are underwritten — GFAF does not offer "no credit check" or stated-income facilities. Every file receives a soft credit pull, a collateral valuation, and an underwriter's decision memo.
§ 07 — Frequently Asked
The questions below come from actual intake calls. If yours isn't here, call +1 (512) 555‑0184 or write [email protected].
No. GFAF — Global Funded Asset Finance, LLC — is a private, direct specialty lender headquartered in Austin, Texas. We are not a chartered bank and our facilities are not FDIC-insured. We originate asset-backed loans on our own balance sheet and through committed credit facilities with institutional capital partners.
A written term sheet — facility size, collateral, term, structure, and conditions — issued by a GFAF underwriter within 48 business hours of a complete submission. Since 2021, this has happened on 92% of submissions; the remaining 8% are typically files requiring third-party valuation or additional collateral documentation.
$50,000 to $5,000,000. The 2024 average funded ticket was $312,000. Facilities above $2M typically require two years of tax returns and a full-year interim P&L, plus in-person or video diligence with the operator.
No. GFAF does not lend money for personal, family, or household purposes. All facilities are underwritten for a documented business purpose — equipment acquisition, working capital, inventory, AR, PO financing, acquisition, or refinance of existing business debt.
A- credit floor on the principal guarantor. We are a collateral-first underwriter, meaning the deal is structured around the asset and the cash flow it generates — not the FICO. A soft pull is performed at intake; no hard inquiry until a deal is in docs.
No — and we encourage you to be cautious of any lender who does before underwriting. Pricing depends on collateral, term, structure, time in business, and DSCR. The term sheet you receive after underwriting carries the actual rate, factor, or payment terms for your specific file.
Standard close is ten business days from signed docs, assuming no third-party title or payoff delay. Equipment-in-hand purchases with clean titles can close in five to seven. New-purchase draws and SBA-bridged structures run longer and are quoted on the term sheet.
GFAF has funded deals in 49 U.S. states and 3 Canadian provinces. In-house legal and docs team operates directly in eleven states; the remaining states and provinces are serviced through vetted local counsel under GFAF's policy and compliance oversight.
Yes. Brokers, ISOs, equipment vendors, and PE sponsors submit directly to a GFAF underwriter with no syndication step in between. Standard broker compensation is disclosed on the term sheet and paid at funding. See the broker & vendor page for the full channel breakdown.
GFAF is a privately held LLC founded in 2017 in Miami, Florida and headquartered in Austin, Texas since 2022. In 2023, the company closed a $22M Series A led by Lattice Capital Partners. The operating team is 74 across underwriting, portfolio management, and capital markets.
Compliance & Disclosures
Global Funded Asset Finance, LLC ("GFAF") is a private specialty finance company and is not a bank, savings association, or FDIC-insured institution. GFAF does not offer consumer credit; all facilities are originated exclusively for business or commercial purposes and may not be used for personal, family, or household purposes. Underwriting, pricing, and funding timelines are subject to credit review, collateral verification, and documentation. Term sheets issued prior to underwriting do not constitute a commitment to lend.
GFAF is a member of the American Association of Private Lenders (AAPL) since 2018. Underwriting data handling is SOC 2 Type II certified (audited 2024). Operator information is collected under GFAF's privacy policy and used solely for deal evaluation. Equal Opportunity Lender. Licensed as required in operating states. For licensing information, write [email protected] or call +1 (512) 555‑0184.
Global Funded Asset Finance, LLC · 4408 Spicewood Springs Road, Suite 300 · Austin, TX 78759
§ 08 — Apply
Submit the short intake form with deal size, collateral class, and three months of bank statements. A GFAF underwriter will respond with a written term sheet or a specific list of what we need — within two business days.
Or call +1 (512) 555‑0184 · Mon–Fri, 8a–6p CT
Or write [email protected] — same-day reply during business hours
