Asset-Based Lending

Asset-Based Business Financing

Unlock the capital already sitting inside your business — leveraging assets you already own.

Up to $5M+
Loan Amount
From 6%
Interest Rate
1–5 Years
Term
1–3 Weeks
Funding Speed
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Product Overview

What is Asset-Based Lending?

Asset based lending (ABL) uses your existing business assets — receivables, inventory, equipment, or real estate — as collateral to secure financing. Because the loan is backed by tangible assets, lenders offer higher amounts, lower rates, and more flexibility than unsecured options. Ideal for asset-rich businesses that need growth capital.

ABL is particularly powerful for manufacturers, distributors, and businesses with significant receivables or inventory on the balance sheet. Because approval is collateral-driven, ABL can often work where traditional bank financing falls short.

Key Benefits

  • ✓Higher borrowing limits than unsecured loans
  • ✓Competitive rates due to collateral backing
  • ✓Flexible structures for different asset types
  • ✓Ideal for businesses with strong assets but variable cash flow
Who Qualifies

Requirements

Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.

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Tangible business assets (equipment, inventory, receivables)
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Minimum 1 year in business
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Documented asset valuations
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Business financial statements
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No major liens on pledged assets
How It Works

How to Apply

1

Quick Application

Share your business profile and a summary of the assets you want to leverage. No hard pull to start.

2

Discovery Call

An advisor conducts a borrowing base analysis to determine how much capital you can access.

3

Get Matched

We match you with the right ABL lender and manage the collateral review and underwriting process.

4

Get Funded

Once underwritten, funds are available — and your facility grows as your asset base grows.

Common Questions

Frequently Asked Questions

Common collateral includes accounts receivable, inventory, equipment, machinery, commercial real estate, and intellectual property. The specific assets accepted vary by lender.
The loan amount is based on a percentage of your assets' appraised value, known as the advance rate. For example, you might receive 80-90% against receivables, 50-70% against inventory, and 70-80% against equipment.
If you default, the lender has the right to seize the pledged assets. This is why it's important to only borrow what you can comfortably repay and work with an advisor to structure the loan appropriately.
Yes, in most cases you maintain full use of your assets while they serve as collateral. The lender places a lien but doesn't take physical possession.