Company profile
Gulf Coast Business Credit
Public disclosure profile. This page does not rate, rank, endorse, or collect applications for Gulf Coast Business Credit.
Limited public disclosure found. Gulf Coast Business Credit is a division of Gulf Coast Bank and Trust Company, an FDIC-insured bank. Program terms including advance rates and fee schedules are not publicly disclosed. The no-long-term-contracts and same-day-funding claims are publicly stated but applicant-specific conditions apply.
Public data fields
Headquarters
Multiple offices in Louisiana, Texas, Georgia, Florida, and Colorado. Parent company Gulf Coast Bank and Trust is headquartered in New Orleans, Louisiana.
Industries served
Publicly described sectors include oil and gas, staffing, freight and transportation, manufacturing, distribution, wholesaling, service providers, and technology.
Recourse availability
Not publicly disclosed.
Non-recourse availability
Not publicly disclosed.
Fuel advance availability
Not publicly disclosed.
Same-day funding claims
Same-day funding upon receipt of completed invoices is publicly stated on the About page.
Advance rate
Not publicly disclosed.
Fees
Not publicly disclosed as specific rates. The website states lower fees relative to non-bank competitors due to bank cost of funds. No hidden fees is also publicly stated.
Contract length
No long-term contracts is publicly stated on the About page.
Publicly disclosed information
- Division of Gulf Coast Bank and Trust Company, an FDIC-insured bank with approximately 1.8 billion dollars in assets, as disclosed on the About page.
- Founded in 2000, per public About page.
- Offices in Louisiana, Texas, Georgia, Florida, and Colorado are publicly disclosed.
- Publicly described industries include oil and gas, staffing, freight and transportation, manufacturing, distribution, wholesaling, service providers, and technology.
- Same-day funding upon receipt of completed invoices is publicly stated.
- No long-term contracts and no monthly minimums are publicly stated on the About page.
- No hidden fees and complimentary credit department and lockbox services are publicly described.
- Credit information on over 30,000 debtors and over 2 billion dollars in annual receivables processed are publicly stated.
Not publicly disclosed
- Specific advance rate, reserve percentage, and fee schedule.
- Recourse or non-recourse structure and chargeback trigger conditions.
- Minimum invoice size, maximum facility size, and debtor concentration limits.
- Fuel advance availability and terms.
Contract terms to verify
- Whether invoices are purchased with recourse, non-recourse, or hybrid terms.
- Advance rate, reserve percentage, fee structure, and all additional charges.
- The exact conditions and cutoff for same-day funding.
- Contract exit terms, including notice period and any fees despite the no-long-term-contract description.
- UCC filing scope and lien release process as they relate to the bank parent structure.
- Chargeback triggers, concentration limits, and debtor credit limit structure.
Questions to ask before signing
- What advance rate and fee apply to my industry and customer mix?
- Is the program recourse, non-recourse, or a combination?
- What are the exact conditions for same-day funding?
- What does no long-term contracts mean in practice for notice period and exit terms?
- How does the Gulf Coast Bank and Trust relationship affect the UCC filing or lien release process?
- How are chargebacks, disputes, and reserve holds handled?
Source notes
- Profile uses the official Gulf Coast Business Credit homepage and About page.
- Same-day funding and no-long-term-contract claims are publicly stated; applicant-specific conditions still apply and require direct verification.
- Bank parent affiliation may affect UCC filing and lien release process; verify directly.
- No rating, ranking, approval claim, or provider endorsement is inferred from these sources.
Related reading
Sources
- Gulf Coast Business Credit - Gulf Coast Business Credit. Accessed 2026-05-19.
- About Gulf Coast Business Credit - Gulf Coast Business Credit. Accessed 2026-05-19.
Financial disclaimer. This page is educational only and is not financial, legal, tax, accounting, or credit advice. Factoring terms vary by provider and contract. Read the full disclaimer.