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 and, 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 occupies lead positions in 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 credit rating, 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.