Asset-Based Lending Specialists
Asset-Based Loans — Borrow Up to 85% of Asset Value
Unlock $500K to $50M+ using accounts receivable, inventory, equipment, and real estate as collateral. Qualify on asset strength, not just credit — fund in 7-14 days.
What Is Asset-Based Lending?
Asset-based lending lets your business borrow against the value of what it already owns — accounts receivable, inventory, equipment, and commercial real estate — instead of qualifying on credit score alone. Lenders set a borrowing base from your eligible collateral and advance funds against it, so the financing grows alongside your assets. It is a practical fit for manufacturers, distributors, wholesalers, and other companies with strong balance sheets that need working capital faster than a conventional loan can deliver.
If your cash is mostly tied up in unpaid invoices, invoice factoring can convert receivables into immediate funds, while broader needs may be served by a working capital facility or equipment financing. Qualification centers on the quality and marketability of your collateral and overall business performance, with rates and advance rates that vary by asset type. Use our loan calculator to estimate payments before you apply.
Why Choose Asset-Based Financing
Unlock the hidden value in your business assets with flexible financing solutions designed for growing companies.
High Loan-to-Value
Borrow up to 85% of eligible asset value with flexible advance rates based on asset quality and liquidity.
Quick Access to Capital
Get funding in 7-14 days with streamlined underwriting focused on asset value rather than credit scores.
Revolving Credit Lines
Access funds as needed with revolving credit facilities that grow with your business and asset base.
Flexible Qualification
Qualify based on asset value and business cash flow rather than traditional credit requirements.
Eligible Asset Categories
We finance against a wide range of business assets with competitive advance rates based on asset quality and marketability.
Accounts Receivable
Outstanding invoices from creditworthy customers
Up to 80-85%
Inventory
Raw materials, work-in-progress, and finished goods
Up to 50-70%
Equipment & Machinery
Manufacturing equipment, vehicles, and technology
Up to 60-75%
Real Estate
Commercial property and business real estate
Up to 70-80%
Asset-Based Loan Programs
Tailored financing solutions for different asset types and business needs.
Accounts Receivable Financing
Convert outstanding invoices into immediate working capital
Key Features:
- Up to 85% advance rate
- No minimum credit score
- Same-day funding available
- Invoice verification process
Ideal For:
B2B companies with 30-90 day payment terms
Inventory Financing
Leverage inventory to secure working capital loans
Key Features:
- 50-70% of inventory value
- Seasonal payment options
- Field examination included
- Various inventory types accepted
Ideal For:
Retailers, wholesalers, and manufacturers
Equipment Financing
Use business equipment as collateral for growth capital
Key Features:
- 60-75% of equipment value
- Keep using equipment
- Professional appraisals
- Multiple equipment types
Ideal For:
Manufacturing and construction companies
Asset-Based Credit Lines
Revolving credit facilities secured by multiple asset types
Key Features:
- $500K - $50M+ facilities
- Prime + margin pricing
- Monthly borrowing base
- Multiple asset categories
Ideal For:
Growing businesses with diverse asset portfolios
Industries We Serve
Our asset-based lending solutions serve businesses across diverse industries with varying asset profiles and financing needs.
Manufacturing & Distribution
Wholesale & Retail Trade
Transportation & Logistics
Construction & Contracting
Healthcare & Medical Services
Technology & Software
Import/Export Companies
Energy & Oil Services
Loan Terms & Rates
Loan Amounts:$500K - $50M+
Interest Rates:Prime + 1-6%
Terms:Revolving
Advance Rates:Up to 85%
*Terms vary based on asset type, quality, and borrower profile
Qualification Guidelines
General requirements for asset-based lending approval. Asset quality and business performance are primary factors.
Business Requirements
- Minimum $1M annual revenue (varies by program)
- Business operational for at least 12 months
- Acceptable asset quality and aging
Additional Criteria
- Basic financial reporting capability
- Management experience in industry
- Adequate insurance on collateral assets
Our Asset-Based Lending Process
Streamlined underwriting focused on asset value and business cash flow for faster decisions.
1
Asset Evaluation
Analyze and value eligible business assets
2
Financial Review
Review business performance and cash flow
3
Credit Decision
Approval based on asset value and business strength
4
Documentation
Complete paperwork and begin accessing funds
Explore Related Financing Options
Compare financing options to find the best fit for your business needs
$10K–$10M
Invoice Factoring
Convert unpaid invoices into immediate working capital without taking on new debt.
Learn more$10K–$5M
Business Lines of Credit
Revolving credit lines for flexible, on-demand access to business funding.
Learn more$5K–$5M
Working Capital Loans
Short-term funding for day-to-day operations, payroll, inventory, and cash flow gaps.
Learn more$250K–$50M+
Commercial Loans
Traditional bank financing for established businesses with competitive rates and flexible terms.
Learn moreTurn Your Assets Into Working Capital
Stop waiting for customer payments. Convert your business assets into immediate cash flow with competitive asset-based financing solutions.
FAQ
Frequently Asked Questions
Asset-based lending (ABL) is a type of business financing where the loan is secured by your company's assets, such as accounts receivable, inventory, equipment, or real estate. The borrowing amount is determined by the value of the pledged collateral rather than solely on creditworthiness.
Common collateral for asset-based loans includes accounts receivable (typically 80-90% advance rate), inventory (50-70% advance rate), equipment and machinery, and commercial real estate. The advance rate depends on the asset type and quality.
Asset-based loan amounts typically range from $500K to $50M+, depending on the value of your eligible collateral. Loan-to-value ratios can be up to 85% of eligible asset value.
Unlike traditional loans that rely heavily on credit scores and financial history, asset-based lending focuses primarily on the value and quality of your collateral. This makes ABL an excellent option for businesses with strong assets but less-than-perfect credit or limited operating history.
Qualification centers on the strength of your collateral and business performance. General guidelines include roughly $1M in annual revenue (this varies by program), at least 12 months in operation, acceptable asset quality and aging, basic financial reporting, and adequate insurance on the pledged assets. Credit history matters less than the value and marketability of your assets.
Most asset-based loans fund in about 7 to 14 days. The timeline reflects the collateral evaluation, financial review, and field examination involved in setting your borrowing base. Having clean accounts receivable aging, inventory reports, and current financials ready up front is the best way to keep the process moving quickly.
Asset-based lending provides a revolving credit line secured by a mix of assets like receivables, inventory, and equipment, and you keep ownership of those assets. Factoring specifically sells your invoices for upfront cash. ABL usually suits larger businesses with diverse collateral wanting ongoing access, while factoring fits companies that mainly need to convert invoices quickly.
Often yes. Because asset-based lending is secured by collateral, lenders focus on the value and quality of your assets rather than relying heavily on credit scores. Businesses with strong receivables, inventory, or equipment but a limited or imperfect credit history can still qualify, with rates and advance rates varying by asset type and risk profile.
Still have questions? Our loan experts are here to help.