We understand that no two businesses are the same and neither are their needs. Companies in non-traditional markets require specialized financing expertise and GRA has the experience and industry savvy to deliver custom commercial lending solutions and services for a wide range of businesses with those unique and specific needs. Whether it’s the tobacco and alcohol market or the growing cannabis industry, you can be assured we understand your business and can provide the right solution. These are some of the selective markets that we focus on.
Specialized Markets
Cannabis Industry
We are proud to be a part of this growing industry and are excited to provide our merchant banking services for the cannabis business enterprise. Traditional lending for the Cannabis industry is currently limited because of many federal laws in place and we understand the need for growth capital in a rapidly growing market. When banks are saying no, we are providing working capital, equipment loans and commercial real estate loans for entrepreneurs in the medicinal and recreational cannabis industry.
In addition to our financial services we can provide product and services that are specialized to the cannabis industry through our Trusted Referral Partners including;
- Online banking and vendor payments
- Cash pick-up and delivery services
- ACH transfer processing and Merchant card servicing
We are currently only serving cannabis licensed businesses throughout the United States.
Financial Technology
Financial Technology (“fintech”) is the new technology and innovation that involves the delivery of financial services to the general public. Since the internet revolution and the mobile internet revolution, financial technology has grown explosively. The use of Smartphone’s for mobile banking, investing services and cryptocurrency are examples of technologies aiming to make financial services more accessible to everyone. According to recent reports, one-third of consumers utilize at least two or more fintech services and those consumers are also increasingly aware of fintech as a part of their daily lives.
If you are a fintech company (“startups or established”) looking for working capital or an equipment loan, GRA can secure a credit facility that can assist your growth in a non-dilutive manner.
Foreign Companies and Nationals Lending
In this global economy, with cross border ownership, U.S. based entities with foreign ownership have found a difficult path in accessing capital from traditional lending sources. Whether it’s a company seeking working capital or foreign investors looking for a construction loan for a real estate project in the United States, finding the right lender could be challenging. Traditional lenders have a tendency to shy away from these opportunities despite the strength of the borrower and value of the assets/collateral because of the lack of information regarding foreign ownership or the lack of a secondary source of repayment. At GRA, we are borrower-centric and focused on management and the value of the enterprise assets in the best case scenario as opposed to the worst. Our success has been our ability to structure a financial program that mitigates the concerns and provide a win-win for all parties.