GFAF underwrites each vertical on its own collateral logic — receivables aging for staffing, equipment depreciation for trucking, inventory turn for e-commerce. Submit once, get a term sheet in 48 hours, fund inside 10 business days.
A trucking operator's file is read by miles-per-truck, tractor age, and lien position. A staffing agency's file is read by receivables aging, concentration, and payroll cadence. An e-commerce seller's file is read by Amazon seller-central velocity, SKU turn, and inventory aged 90 days or less. Each gets its own model, its own advance rate, its own doc request list — and its own deal team.
GFAF has funded deals in 49 U.S. states and 3 Canadian provinces since 2017, closing 3,140 transactions across a portfolio of $487M underwritten. The verticals below are not marketing copy. They are the eight books on our balance sheet — each staffed, each documented, each with a trackable repeat-borrower pattern.
Counts are funded deals across the GFAF book since 2017. Source: internal portfolio management, audited 2024.
Our largest book by deal count. We lend against the equipment itself, not the carrier's FICO — A- credit floor accepted, deals structured around collateral.
"Three tractors refinanced off a floorplan, closed in eight business days. No personal recourse added — underwritten on the iron and the lanes."
GC-credit and backlog-aware. We write against excavators, dozers, and skid steers — and, where there is a clean PO on a creditworthy general, we attach the receivable to the structure.
"We bought out a leased excavator and added a skid-steer line for a new subdivision contract — same file, single term sheet."
Amazon FBA sellers, Shopify operators, and DTC brands. We read Seller Central directly, score the parent ASIN set, and lend against the aged-90 inventory plus forward POs.
"We needed stock to ride a Q4 ranking window — line was sized, docs in, funded on day seven. Inventory aged under 60 days was the entire underwrite."
For trucking, construction, medical, and manufacturing, the file begins with the asset list. We confirm VIN, serial, and condition — and we pull the existing UCC-1 / title status to confirm first-lien position before any term sheet is issued.
For staffing, services, and any vertical where the receivable is the asset, we read aging reports in 30-day buckets and score concentration against the top three obligors. A 40% top-obligor book is a different underwrite than a 12% book — even at the same revenue.
For e-commerce, food & beverage, and retail-adjacent operators, the file lives in the inventory aged report. Stock aged under 90 days is treated differently than stock over 180 days — and our advance rates reflect the band, not the headline total.
Once the collateral class is scored, we layer structure — term, amortization, recourse, and any specialty wraps (PO tranche, floorplan refinance). In-house legal closes in 11 states; outsourced closings are not how we operate. The 48-hour decision is the output of the prior three chapters — not a promise in lieu of them.
Eight verticals, four chapters, one 48-hour clock. Submit your deal and a deal-team underwriter will return a term sheet.
Get a Term Sheet in 48 Hours