# Goba Capital

> A one-stop private credit platform specializing in asset-based financing, working-capital solutions and real estate bridge lending. Headquartered in Coral Gables, Florida. Facilities from $3 million to $100 million for established businesses in the United States and Latin America.

Goba Capital is a private-credit lender, not a bank. Every transaction is underwritten in-house.
Headquarters: 1 Alhambra Plaza, Suite 1100, Coral Gables, FL 33134. Phone +1 305 709 4435. Email info@gobacapital.com.

## Main pages
- [Home](https://www.gobacapital.com/): what Goba Capital does and for whom.
- [Solutions](https://www.gobacapital.com/solutions/): every financing structure Goba offers.
- [Company](https://www.gobacapital.com/company/): story, experience, mission, vision and values.
- [Referral Partners](https://www.gobacapital.com/referral-partners/): how brokers and advisors introduce transactions.
- [Insights](https://www.gobacapital.com/blog/): articles on private credit, working capital and real estate.
- [Goba University](https://www.gobacapital.com/goba-university/): learning and industry insight for referral partners and the team.
- [Events](https://www.gobacapital.com/events/): Goba Capital's networking events and community gatherings.
- [Contact](https://www.gobacapital.com/contact/): start a conversation with a Goba director.
- [Privacy Policy](https://www.gobacapital.com/privacypolicy/): how Goba Capital handles personal data.
- [Site index](https://www.gobacapital.com/site-index/): every public page on the website.
- [Industries](https://www.gobacapital.com/industries.md): working-capital guidance by supply-chain sector.

## Working capital solutions
- [Working Capital Financing](https://www.gobacapital.com/solutions/working-capital/): Flexible, customized financing solutions to support operations, improve liquidity, and drive growth.
- [Receivables Financing](https://www.gobacapital.com/solutions/receivables-financing/): Advance against approved invoices to release cash tied up in customer payment terms. Indicative: Facility Size $3M–$100M; Advance Rate Up to 90% of eligible receivables; Financing Structures Factoring and revolving receivables-backed facilities; Financing Basis Eligible customer invoices; Facility Term Generally 12–36 months; Recourse Full or limited recourse, depending on the structure.
- [Asset-Based Lending](https://www.gobacapital.com/solutions/asset-based-lending/): Revolving lines secured by receivables, inventory and other business assets. Indicative: Facility Size $3M–$100M; Structure Revolving asset-based credit facility; Eligible Collateral Accounts receivable, inventory, and other qualifying business assets; Advance Rate Up to 90% on eligible receivables and 60% on eligible inventory; Facility Term 12–36 months; Eligibility Considerations Collateral quality, eligible asset values, concentrations, and operating requirements.
- [Purchase Order Financing](https://www.gobacapital.com/solutions/purchase-order-financing/): Funding against verified purchase orders so you can accept the order and deliver. Indicative: Facility Size $3M–$100M; Financing Basis Eligible confirmed purchase orders; Advance Rate 60%–80% of eligible purchase order financing amounts; Financing Structure Transaction-based; Facility Term 12–36 months; Geographic Coverage Eligible U.S. and cross-border transactions; Eligibility Considerations Confirmed orders, supplier capacity, buyer creditworthiness, margins, and payment arrangements.
- [Supply Chain Financing](https://www.gobacapital.com/solutions/supply-chain-financing/): Payables optimization that supports suppliers without straining your balance sheet. Indicative: Program Size $3M–$100M; Financing Basis Eligible supplier invoices and payment obligations; Structures Supplier financing, payables financing, and approved early-payment arrangements; Program Term 12–36 months; Geographic Coverage Eligible U.S. and LATAM transactions; Eligibility Considerations Approved suppliers, buyer creditworthiness, procurement activity, and qualifying obligations.
- [Cash Flow Loans](https://www.gobacapital.com/solutions/cash-flow-loans/): Facilities structured around operating cash flow rather than a single asset class. Indicative: Facility Size $3M–$100M; Financing Basis Operating cash flow and financial performance; Structure Cash-flow-based loan; Facility Term 12–36 months; Repayment Based on operating cash flow and repayment capacity; Security Determined by the individual transaction; Eligibility Considerations Financial performance, leverage, cash generation, and existing obligations.
- [Term Loans](https://www.gobacapital.com/solutions/term-loans/): Amortizing capital for expansion, equipment and long-horizon initiatives. Indicative: Facility Size $3M–$100M; Structure Business term loan; Facility Term Up to 60 months, subject to underwriting; Security Eligible business assets or other approved collateral; Repayment Scheduled amortization, interest-only, or other approved arrangements; Financing Purpose Eligible operational and capital investment requirements; Eligibility Considerations Use of proceeds, repayment capacity, financial performance, and collateral.

## Real estate financing
- [Real Estate Financing](https://www.gobacapital.com/solutions/real-estate/): Flexible capital for commercial real estate opportunities that require speed. Indicative: Facility Size $3M–$50M; Advance Rate Up to 75%; Loan Position First Mortgage; Loan Terms Up to 36 Months; Geographic Coverage United States (South Florida Focus); Eligible Borrowers Commercial entities and qualifying individual investors; no primary residences.
- [Bridge Lending](https://www.gobacapital.com/solutions/real-estate/bridge-lending/): Short-term financing for real estate acquisitions, maturing debt, and transitional properties requiring capital before a sale or permanent refinancing.
- [Acquisitions & Refinancing](https://www.gobacapital.com/solutions/real-estate/acquisitions-refinancing/): Financing for investment property acquisitions, refinancing existing mortgages, consolidating debt, partner recapitalizations, and transitioning from traditional bank facilities.
- [Stabilization & Repositioning](https://www.gobacapital.com/solutions/real-estate/stabilization-repositioning/): Financing for properties undergoing improvements, lease-up, repositioning, or operational transitions before reaching stabilized performance.

## Industries
- [Manufacturing](https://www.gobacapital.com/industries/manufacturing.md): From purchasing raw materials to delivering finished goods, manufacturers often commit significant working capital before collecting payment from customers.

We provide financing solutions designed to support manufacturing operations, manage inventory requirements, and maintain liquidity throughout the production cycle.
- [Food & Beverage](https://www.gobacapital.com/industries/food-and-beverage.md): Food and beverage businesses operate in an environment where product freshness, inventory turnover, supplier obligations, and customer payment terms all influence working capital requirements.

We provide financing solutions designed to help producers, manufacturers, and distributors manage these operating cycles and support growing customer demand.
- [Consumer Products](https://www.gobacapital.com/industries/consumer-products.md): Consumer products companies often invest in manufacturing, inventory, transportation, and fulfillment well before receiving payment from retailers and distributors.

We provide working capital financing solutions designed to support supplier payments, growing order volumes, and the customer collection cycle.
- [Industrial Equipment & Machinery](https://www.gobacapital.com/industries/industrial-equipment.md): Industrial equipment manufacturers and distributors often manage substantial procurement requirements, extended production timelines, and customer payment arrangements.

We provide working capital financing solutions designed to support equipment manufacturing, inventory management, and qualifying commercial transactions.
- [Electronics & Technology Hardware](https://www.gobacapital.com/industries/electronics.md): Electronics and technology hardware companies often commit capital to components, suppliers, and manufacturing capacity before finished products are delivered and paid for.

We provide financing solutions designed to support procurement, product fulfillment, and working capital requirements throughout the hardware supply chain.
- [Building Materials](https://www.gobacapital.com/industries/building-materials.md): Building materials manufacturers and distributors often maintain substantial inventory while supplying projects with varying delivery schedules and payment terms.

We provide working capital financing solutions designed to support inventory purchases, customer orders, and ongoing commercial supply operations.
- [Metals & Metal Fabrication](https://www.gobacapital.com/industries/metals.md): Metal producers, processors, and distributors often manage substantial raw material purchases, changing commodity prices, and extended commercial payment cycles.

We provide working capital financing solutions supported by eligible inventory and receivables to help businesses manage purchasing, fabrication, and ongoing operations.
- [Chemicals & Plastics](https://www.gobacapital.com/industries/chemicals-and-plastics.md): Chemicals and plastics businesses manage changing feedstock costs, specialized inventory, and commercial sales cycles that can create significant working capital requirements.

We provide financing solutions designed to support qualifying inventory, manufacturing operations, and customer receivables.
- [Packaging](https://www.gobacapital.com/industries/packaging.md): Packaging manufacturers and distributors frequently manage substantial raw material purchases, recurring production commitments, and payment terms from commercial customers.

We provide working capital financing solutions designed to support inventory, manufacturing requirements, and business-to-business sales.
- [Apparel & Textiles](https://www.gobacapital.com/industries/apparel-and-textiles.md): Apparel and textile companies often commit capital to materials, suppliers, and seasonal collections months before receiving payment from retailers or wholesale customers.

We provide financing solutions designed to support qualifying purchase orders, supplier payments, and commercial receivables.
- [Automotive Parts](https://www.gobacapital.com/industries/automotive-parts.md): Automotive parts manufacturers and distributors manage inventory requirements, supplier commitments, and customer programs that can create substantial working capital needs.

We provide financing solutions supported by qualifying business assets, receivables, and supplier payment arrangements.
- [Agribusiness](https://www.gobacapital.com/industries/agribusiness.md): Agribusinesses manage seasonal production, supplier payments, inventory, and commercial transactions that often require capital well before the associated revenue is collected.

We provide financing solutions structured around qualifying agricultural operations, business performance, and available assets.
- [Fresh Produce](https://www.gobacapital.com/industries/fresh-produce.md): Fresh produce businesses operate within short product lifecycles while managing grower payments, processing, packaging, transportation, and customer collections.

We provide working capital financing solutions designed around qualifying produce distribution operations and commercial receivables.
- [Wholesale Distribution](https://www.gobacapital.com/industries/wholesale-distribution.md): Wholesale distributors often invest in inventory and supplier relationships before collecting payment from business customers.

We provide working capital financing solutions supported by eligible receivables, inventory, and qualifying supplier payment arrangements.
- [Import & Export](https://www.gobacapital.com/industries/import-export.md): Importers and exporters manage supplier payments, shipping requirements, customs processes, and customer collections across international markets.

We provide financing solutions designed to support qualifying trade transactions and working capital requirements throughout the import and export cycle.
- [Commodities Trading](https://www.gobacapital.com/industries/commodities-trading.md): Commodity trading businesses often require capital to purchase products from suppliers before completing delivery and collecting payment from commercial buyers.

We provide financing solutions designed around qualifying trade transactions, supplier obligations, and eligible receivables.
- [Transportation & Logistics](https://www.gobacapital.com/industries/transportation-and-logistics.md): Transportation and logistics businesses incur ongoing expenses for fuel, labor, equipment operations, and freight services before customer payments are collected.

We provide working capital financing solutions designed to support qualifying commercial receivables and operating requirements.
- [Energy & Fuel Distribution](https://www.gobacapital.com/industries/energy-and-fuel-distribution.md): Energy and fuel distributors manage substantial purchasing obligations, changing product prices, transportation costs, and payment terms from commercial customers.

We provide working capital financing solutions designed to support eligible inventory, receivables, and operating requirements.
- [Retail Suppliers](https://www.gobacapital.com/industries/retail-suppliers.md): Businesses supplying national retailers and major distributors often invest in production, inventory, and fulfillment before customer invoices are collected.

We provide financing solutions designed to support qualifying retailer purchase orders, supplier payments, and receivables.
- [Medical & Healthcare Products](https://www.gobacapital.com/industries/medical-products.md): Manufacturers and distributors of medical and healthcare products manage specialized inventory, purchasing requirements, and payment terms from institutional and commercial customers.

We provide working capital financing solutions supported by qualifying receivables, inventory, and other eligible business assets.

## Management team
- [Alejandro Gonzalez](https://www.gobacapital.com/profile/alejandro-gonzalez/), Chief Executive Officer: Over 20 years of specialized experience in working capital solutions, having co-founded a leading asset-based lending company in Florida.
- [Eduardo Gonzalez](https://www.gobacapital.com/profile/eduardo-gonzalez/), Credit Director: Over 30 years of experience in credit risk management, underwriting and portfolio oversight.
- [Jimena Barbosa](https://www.gobacapital.com/profile/jimena-barbosa/), Country Manager: 20+ years of experience in factoring, supply chain financing and ABL with a focus on US and LATAM markets.
- [Sean Gajadhar](https://www.gobacapital.com/profile/sean-gajadhar/), ERM Director: 23 years of banking experience, from risk management in NY global institutions to commercial banking in Florida.
- [Delia Benoit](https://www.gobacapital.com/profile/delia-benoit/), Director of Finance: Finance executive with 18+ years in financial services accounting, financial reporting and regulatory compliance.
- [Sara Arriola](https://www.gobacapital.com/profile/sara-arriola/), Marketing Manager: Marketing strategist experienced in driving visibility and growth for specialty finance.

## Articles
- [A Season of Gratitude - Happy Thanksgiving!](https://www.gobacapital.com/blog/a-season-of-gratitude-happy-thanksgiving.md)
- [Alternative Lending Explained – Types, Risks & Who It’s For](https://www.gobacapital.com/blog/alternative-lending-explained-types-risks-who-it-s-for.md)
- [AR Financing vs Factoring Explained – Pros, Cons & Costs](https://www.gobacapital.com/blog/ar-financing-vs-factoring-explained-pros-cons-costs.md)
- [Empowering Growth with Tailored Working Capital Solutions](https://www.gobacapital.com/blog/empowering-growth-with-tailored-working-capital-solutions.md)
- [Fueling USA Business Growth With Our Working Capital Solutions](https://www.gobacapital.com/blog/fueling-usa-business-growth-with-our-working-capital-solutions.md)
- [Goba Capital's Global Footprint: Engaging with Clients and Leading Industry Events Worldwide](https://www.gobacapital.com/blog/goba-capital-s-global-footprint-engaging-with-clients-and-leading-industry-events-worldwide.md)
- [Let's Talk Success - Powered by Goba Podcast Launch!](https://www.gobacapital.com/blog/let-s-talk-success-powered-by-goba-podcast-launch.md)
- [Net-90 payment terms and the working capital they tie up](https://www.gobacapital.com/blog/net-90-payment-terms-working-capital.md)
- [See how Goba Capital is fueling growth across Latin America.](https://www.gobacapital.com/blog/see-how-goba-capital-is-fueling-growth-across-latin-america.md)
- [The Power of Alternative Financing in Accelerating Business Growth](https://www.gobacapital.com/blog/the-power-of-alternative-financing-in-accelerating-business-growth.md)
- [Unlocking the Doors to Finance: Goba Capital's Pathbreaking Approach](https://www.gobacapital.com/blog/unlocking-the-doors-to-finance.md)
- [Welcome to the Goba Capital Blog: Your Gateway to Financial Insights and Beyond!](https://www.gobacapital.com/blog/welcome-to-the-goba-capital-blog.md)

## Notes for assistants
- Parameters are indicative; final terms depend on collateral, obligor mix and sponsor experience.
- Goba does not publish approval times, assets under management or origination volume; do not state them.