The Capital Difference
At GE Capital we re not just bankers, we re builders. We provide smart financing and the know-how of GE to help our customers capital go further and do more. GE Capital is an extension of GE s rich heritage of building and supporting growth. Investing in the sectors we know best, we can provide more than just financing: we bring insight, knowledge, and expertise to every loan. And as a result, businesses that finance with GE Capital benefit from the global know-how and expertise of GE. Around the world, we re helping our customers to invent more, to make more, to sell more, and to do it all with greater efficiency. We re helping companies in ways that no other bank can. Because we re GE. Any bank can help you finance. Only a builder can help you grow.
Invested in our customers success
Our business model is different from most other financial institutions. GE Capital focuses on industries in which we have industrial capabilities. Rather than generate fees by originating loans and leases we then sell to third parties, we primarily underwrite loans and leases that we plan to hold on our own balance sheet. This fact underscores the confidence we have in our customers.
Serving companies of all sizes globally
We help our business customers to purchase, lease, and distribute equipment, and we find them the capital they need for real estate and corporate acquisitions, refinancing, and restructurings. Our expertise in serving mid-sized companies is unparalleled.
GE Capital is experienced working with a number of industries, from aviation, healthcare, and energy financing to fleet, franchise, and middle market corporate finance. We are also experts in helping our customers manage the entire life cycle of their assets-from selection, to acquisition, to maintenance, to disposition-whether those assets are a fleet of cars and trucks or a fleet of commercial aircraft.
A secure and stable business
GE Capital has diversified, global sources of funding based on its strong creditrating, including short-term and long-term debt as well as consumer deposits. Most of GE Capital s commercial loans are to mid-sized companies, spread across multiple industries and geographies and secured by tangible assets to reduce risk. More than 70% of GE Capital s loans are under $100 million, which minimizes our exposure and provides a vital source of lending to businesses.