Asset-Based Lending
Up To $10M+Unlock the value of what your business already owns. Leverage equipment, inventory, receivables, or real estate as collateral for larger amounts and better terms than unsecured options.
30-Second Application · No Credit Impact · Strictly Confidential
Overview
How It Works
Asset-based lending (ABL) is a form of business financing where loans are secured by your company's assets. These assets can include accounts receivable, inventory, equipment, real estate, or other tangible business property.
Because the loan is backed by collateral, lenders can often offer higher amounts, lower interest rates, and more flexible terms. ABL is particularly useful for growing businesses that have significant assets but may not qualify for traditional unsecured financing.
Rates & Terms
- Loan Amount
- Up To $10M+
- Interest Rates
- From 6%
- Term
- 1–5 Years
- Funding Speed
- 1–3 Weeks
Ranges shown are indicative. Actual terms vary by lender, profile, and deal structure. Your strategist confirms specifics.
THE ADVANTAGE
Why It Works
- Higher borrowing limits than unsecured loans
- Competitive rates due to collateral backing
- Flexible structures based on asset types
- Ideal for businesses with strong assets but limited cash flow
Basic Qualifications
Basic Qualifications
- Time In Business
- 1+ Year
- Assets
- Tangible, Documented Valuations
- Liens
- No Major Liens On Pledged Assets
Questions
Frequently Asked
What Types Of Assets Can Be Used As Collateral?+
Common collateral includes accounts receivable, inventory, equipment, machinery, commercial real estate, and intellectual property. The specific assets accepted vary by lender.
How Is The Loan Amount Determined?+
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.
What Happens If I Default?+
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.
Can I Still Use The Assets While They're Pledged?+
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.
Keep Exploring
Other Capital Strategies
Equipment Financing
Fund the machinery, vehicles, and technology that grow your operation, secured by the asset itself.
Learn MoreAccounts Receivable Financing
Turn unpaid invoices into immediate working capital, smoothing cash flow without waiting on customer payment cycles.
Learn MoreSBA Loans
Government-backed financing with favorable terms and longer horizons for established businesses.
Learn MoreReady To Move Forward?
Tell us about your business and we will match you with the right capital structure, often within forty-eight hours.
30-Second Application · No Credit Impact · Strictly Confidential