About Us

About Us

Businesses often need more cash than they have on hand. Gulf Coast Business Credit can provide immediate assistance by turning your outstanding invoices into cash. Accounts Receivable Financing with GCBC allows you to focus on what you do best: service your customers and generate new business. With proper financing today, you can get where you want to be tomorrow.

Gulf Coast Business Credit is the Factoring, Accounts Receivable Finance and Asset-Based Lending Division of Gulf Coast Bank & Trust Co. As a division of a bank, GCBC doesn’t rely on financing from outside sources, giving us lower cost of funds, which is passed on to our clients in the form of lower fees.

Our Management Team

Meet the Gulf Coast Business Credit Management Team

No matter what industry you are in, whether it’s staffing or oilfield services, transportation or manufacturing, our experienced industry professionals will give you the highest level of service available anywhere. Gulf Coast Business Credit provides fast, accurate and dependable service that you can count on every day.

Wade Hladky

President & CEO

As a seasoned finance professional, Wade Hladky co-founded Gulf Coast Business Credit (GCBC), a division of Gulf Coast Bank & Trust Company, in 2000. Initially serving as Chief Operating Officer, he was appointed President and CEO in 2011.

In addition to his leadership at GCBC, Hladky plays a pivotal role in managing the bank’s other divisions within the secured finance sector, which include factoring, asset-based lending, purchase order finance, equipment financing.

Meg Roberson

Senior Vice President & National Sales Manager

A native Texan, Meg Roberson serves as Senior Vice President at Gulf Coast Business Credit, bringing over 25 years of experience in sales management, syndications, commercial banking, factoring, and asset-based lending. She leads a national team of professionals across sales, underwriting, and marketing, and is responsible for driving both organic and acquisition-based originations. Meg also oversees the development and integrity of the GCBC brand across all markets.

Throughout her career, Meg has held several leadership roles within the industry. She is the past President and served on the board of the Central Texas Chapter of the Association for Corporate Growth and has served on the advisory board of the International Factoring Association.

Meg is a proud graduate of Texas A&M University.

Zach Daiber

Senior Underwriter, Vice President

Zach serves as the Senior Underwriter for Gulf Coast Business Credit (GCBC), where he leads the underwriting team through hundreds of deals annually across a variety of industries. Joining GCBC in 2014 as a Credit Analyst, he was appointed Vice President and Senior Underwriter in 2018. He holds a BBA in Corporate Finance from the University of Texas and has completed the Southwestern Graduate School of Banking program at Southern Methodist University.

Shelly Posas

Operations Manager

As Operations Manager, Shelly Posas oversees a team dedicated to delivering exceptional customer service. Shelly has worked with GCBC for over a decade and has over 15 years of experience in the financial industry. She is passionate about helping businesses grow and has worked with hundreds of clients across various industries.

Darlene Cino

Operations Manager

Darlene Cino serves as the Operations Manager at Gulf Coast Business Credit, where she has dedicated 22 years of service. With 25 years of experience in accounts receivable financing, Darlene has grown with the company—starting as an Account Executive, advancing to Accounting Manager, and now leading the operations team.

Sherri McCoy

Operations Manager | Dallas Fort worth

Sherri McCoy serves as the Operations Manager for the GCBC Dallas/Fort Worth office. Sherri has 30+ years of experience in factoring and asset-based lending. Throughout her career, she has specialized in accounts receivable finance and is committed to working with a wide range of businesses to enhance their cash flow, enable expansion, and achieve their growth goals.

History

Gulf Coast Business Credit (“GCBC”) is the factoring and asset based lending division of Gulf Coast Bank & Trust Company. Founded in 2000, Gulf Coast Business Credit is celebrating its 25th Anniversary this year. Gulf Coast Bank, an FDIC insured financial institution, is a 1.8 billion dollar community bank, well capitalized with over $160 million in equity.

GCBC is recognized as a leader in providing accounts receivable finance and asset based lending across the United States. Over the last 25 years, GCBC’s commitment to thousands of valued client relationships, partners and employees has provided growth for businesses and prosperity for families nationwide. Buying over $2 billion per year in receivables, GCBC has production offices located in Colorado, Florida, Georgia, Louisiana and across Texas. GCBC also has divisions devoted solely to the unique needs of companies in the transportation, staffing and oil and gas industries

GCBC has representatives who serve businesses nationwide and has access to credit information on over 30,000 debtors.

Financials

An advantage of trusting Gulf Coast Business Credit with your accounts receivable financing is that Gulf Coast Bank & Trust’s financial information is 100% public. We provide this as a courtesy to our clients so that you can rest assured your money is safe. Many of our competitors do not provide their clients with this luxury, so if they decided to close their doors tomorrow, you’d have no warning.

2024 was an outstanding year for Gulf Coast Bank & Trust Company (“GCB&T”). GCB&T began its mission in 1990, growing one customer after another. Celebrating its 35th Anniversary this year, GCB&T is a bank with over $1.8 billion in assets and more than 550 employees.

In 2024, the increased level of interest in GCB&T and its community focus guided us to growth in every division, from deposits and loans, trust assets to mortgage. From Texas through Louisiana and into Florida, GCB&T now rings the northern Gulf of Mexico with a deep pool of financial services.

Gulf Coast Bank & Trust Company 2024 Annual Report

Frequently Asked Questions

Q: What is factoring?

A: Factoring is the term used to describe the sale of invoices or accounts receivable. It is also referred to as accounts receivable financing and asset-based lending.

Q: Who factors with GCBC?

A: Gulf Coast Business Credit factors most business-to-business receivables. We have over 10 years of experience in factoring and offer the best service and pricing in the industry.

Q: Do I have to make a long-term commitment?

A: No, we don’t believe that we need to handcuff our factoring clients with long-term contracts. We are confident that our service and pricing are the best in the industry, and you will want to continue doing business with us.

Q: Are there monthly minimums?

A: No. You should only factor the invoices you need to meet your cash flow needs.

Q: How do I get started?

A: Complete the application form on this website. You will then receive a DocuSign to complete. Once you are approved, our team will reach out to you so you can start converting your invoices to cash.

Q: How long does it take to receive payment for my unpaid invoices?

A: We fund invoices the same day we receive them. Cash is wired directly into your bank account the same day we receive completed invoices from you.

Q: How much does it cost?

A: We’re not competitive. We are the competition. Because of our bank affiliation, Gulf Coast has a less expensive cost of funds than most factoring companies, and we pass those savings along to you in the form of lower fees. There are no hidden fees, and clients also get the services of our credit department and lockbox services at no additional cost.

Culture

What do our clients look for when selecting a bank to finance their accounts receivables?

Trust. Reliability. Community. This list goes on and on, and we do our best to fulfill all of these needs and expectations. Gulf Coast Business Credit is an accounts receivable finance and asset-based lending company that was established on the principle of helping our customers’ businesses grow. We are the factoring division of Gulf Coast Bank & Trust, a community-oriented bank dedicated to serving customers with the utmost respect and professionalism, while also connecting with them on a personal level.

Gulf Coast Business Credit’s culture is focused on continuing this community tradition by helping our clients and their companies grow.