Gilion

Gilion describes itself as the layer between founders and finance, and today it sells two things: growth funding for software companies that does not dilute equity, and an agentic AI platform for the investors and bankers who evaluate them. The funding side offers a Growth Loan for multi year planning and Seasonal Credit for short term working capital, with tickets from 0.5 to 5 million euros, borrowing capacity of up to 100 percent of annual recurring revenue, interest only payments for the first two years followed by six year amortization, and no warrants, equity kickers or board seats. Lending is available in Sweden, Denmark, Finland, Germany, the Netherlands and the United Kingdom. The AI platform is for investment firms and bankers. It connects to a firm's CRM, email, drives and data rooms, encodes the firm's thesis and mandate into agent actions, and works across the deal cycle. Screening checks incoming deals against the firm's full history of won, lost and rejected opportunities. Due diligence, which the company says starts every deal at roughly 70 percent complete, handles standard financial, market, product, team and legal questions, converts spreadsheet logic into code for scenario modeling, validates P&L figures against accounting systems and produces investment committee materials in the firm's format. Portfolio management adds real time notifications on changes. A separate Insights Platform helps founders structure metrics such as ARR, retention, churn and burn for fundraising, with a forecasting engine that accounts for seasonality and market maturity. Gilion is SOC 2 Type II, GDPR and CCPA compliant. Pricing for the AI platform is not published; access begins with a conversation with the sales team. Loan interest rates and origination fees are not published either and depend on the underwriting outcome. In Germany Gilion operates as a loan broker, with the loans themselves provided by partner banks.