Asset-Based Lending
Unlock Capital From the Assets Your Business Already Owns
Asset-based lending uses your receivables, inventory, equipment, and real estate as collateral to unlock flexible credit lines and term loans — even when traditional financing isn't available.
Eligible Collateral Types
Who Is Asset-Based Lending Best For?
High-Growth Businesses
Companies growing faster than cash flow allows — use assets to fund expansion.
Turnaround Situations
Businesses with strong assets but recent losses or credit challenges.
Seasonal Businesses
Leverage inventory and receivables to manage seasonal cash flow swings.
Acquisition Financing
Use target company assets to help fund the acquisition itself.
Refinancing Existing Debt
Replace expensive debt with asset-backed facilities at better terms.
Working Capital Needs
Revolving credit lines backed by receivables and inventory for ongoing operations.
Asset-Based Lending FAQs
What is asset-based lending?
Asset-based lending (ABL) is a type of financing where the loan is secured by specific business assets — most commonly accounts receivable, inventory, equipment, or real estate. The borrowing capacity is tied directly to the value of those assets.
How is asset-based lending different from a traditional business loan?
Traditional loans are primarily underwritten based on cash flow, credit history, and financial ratios. ABL focuses on the liquidation value of your assets. This makes it accessible to businesses with strong assets but inconsistent cash flow or challenged credit.
How much can I borrow with asset-based lending?
Borrowing capacity depends on the type and value of your assets. Receivables typically support 70–90% advance rates. Inventory advances range from 40–65%. Equipment and real estate vary based on appraisal. We help you maximize your borrowing base.
Is asset-based lending right for my business?
ABL is ideal for businesses with significant assets on the balance sheet — manufacturers, distributors, staffing companies, and businesses with large receivables or inventory. It's also a strong option for turnaround situations and rapid-growth companies.
How long does it take to get an asset-based loan?
ABL facilities typically take 2–6 weeks to structure and close, depending on the complexity of the collateral and the lender. We help streamline the process by preparing your collateral documentation upfront.
Your Assets Are Working Capital Waiting to Happen
Apply today or call Gary Hughey to discuss your assets and find out how much capital you can unlock.