Asset Based Lending
Asset based lending unlocks the value of what your business already owns. By leveraging equipment, inventory, receivables, or real estate as collateral, you can access larger funding amounts with more favorable terms than unsecured options.
Up to $5M+
Loan Amount
From 6%
Interest Rates
1–5 years
Terms
1–3 weeks
Funding Speed
What is asset based lending?
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.
Key Benefits
- 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
Requirements
Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.
How to apply
Quick Application
Fill out our simple inquiry form with your business details and funding needs in just 5 minutes.
Discovery Call
Speak with a funding specialist who will craft a personalized strategy based on your goals.
Get Matched
Your dedicated advisor matches you with the best lenders and products from our network.
Get Funded
Complete the process with expert guidance and receive the capital your business needs.
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.
Explore similar funding options
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