We Lend

GA Europe lends to retailers. We work in collaboration with our sister company GA Capital to provide a compelling asset based lending capability to retailers across Europe, providing them with a viable alternative to traditional forms of finance. Whether you are seeking to restructure existing debts, fuel a growth strategy or enhance your liquidity profile, we can provide secured loans from circa £10m to £200m. These loans are secured by a retailer’s collateral assets, primarily its stock, but in some cases its intellectual capital, receivables and property. GA Europe's financial strength, flexible approach and deep understanding of stock recoveries mean we can offer a competitive and tailored funding solution to meet each individual borrower’s needs.

Significant financial muscle

We generally work alongside established banks or other asset based lenders to provide loans, which are typically (although not exclusively) second lien. We are also able to source additional syndicate members. As a fully funded subsidiary of Great American Group, however, we are also able to draw on our own significant financial resources to self-finance smaller deals.

And a flexible approach

Combined with this financial strength, we take a highly flexible approach to individual borrowers' needs. And because we have a very deep understanding of stock recovery values and a highly experienced in-house stock appraisal team, we generally have the confidence to lend at a higher percentage of stock value compared to other asset based lenders.

Our European credentials include a finance facility for Paperchase, led by GA Capital and part of a larger second lien loan facility to book retailer Borders. Read more here about our asset based lending credentials.