Asset Based Lending
Leverage your inventory, receivables, or equipment to access larger funding amounts with competitive rates. Your assets work as hard as you do.
What Businesses Use ABL For
Leverage your assets to fund growth and operations.
Business Expansion
Fund new locations, acquisitions, or market expansion initiatives.
Inventory Financing
Stock up on inventory to meet demand or capture bulk discounts.
Bridge Cash Flow Gaps
Cover operational expenses while waiting for receivables.
Equipment Purchases
Acquire new equipment using existing assets as additional collateral.
Payroll & Operations
Maintain payroll and keep operations running during growth phases.
Restructuring & Turnaround
Access capital during business transitions or recovery periods.
Industries That Benefit from ABL
Asset based lending works well for asset-heavy businesses.
Asset Based Lending FAQ
Common assets include accounts receivable, inventory (raw materials and finished goods), equipment, machinery, vehicles, and real estate. The specific assets accepted depend on the lender and your industry.
Borrowing limits typically range from 70-90% of eligible receivables and 50-70% of inventory value. Equipment is usually valued at liquidation value. Your specific advance rates depend on asset quality and lender policies.
ABL is ideal for businesses with significant receivables, inventory, or equipment who need working capital. It's particularly useful for companies growing quickly, experiencing seasonal fluctuations, or those who may not qualify for traditional unsecured financing.
Because the loan is secured, the lender has rights to the pledged assets if you default. However, most ABL arrangements include monitoring and communication to help prevent default situations. It's important to borrow responsibly within your means.
Initial funding typically takes 1-2 weeks as assets need to be evaluated. However, once your facility is established, you can often access additional funds within 24-48 hours as your eligible assets grow.
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