Asset-Based Lending
When traditional loans say no but your balance sheet says yes, asset-based lending unlocks capital secured by what your business already owns.
Up to $50M · Tied to asset value
Amount
Rate
Term
Speed
Collateral
What it is. How it works. Who it's for.
ABL turns your assets — inventory, AR, equipment, real estate — into a borrowing base. The more verifiable assets you have, the more you can access, regardless of profitability or DSCR.
Best fit for
- Inventory-heavy businesses (distributors, manufacturers, retailers)
- Companies in turnaround or rapid growth
- Acquisitions where target has assets but no track record
Four steps from inquiry to wire.
- 01
Asset Review
We send a field audit team to verify and value assets.
- 02
Borrowing Base
Lender sets advance rates per asset class (e.g. 80% of AR).
- 03
Facility
You draw against the borrowing base as needed.
- 04
Reporting
Monthly borrowing base certificate keeps your line current.
What we look for.
Most files that fit these markers move quickly. If yours doesn't yet, we'll show you how to get there.
Get Pre-Qualified- Verifiable assets (audited inventory, AR aging, appraisals)
- $1M+ revenue typically required
- Willingness to provide ongoing collateral reporting
The ones we get most.
Often paired with Asset-Based Lending
Accounts Receivable Financing
- B2B and government contractors
- Staffing, transportation, manufacturing
Equipment Financing
- Trucking, construction, restaurants, manufacturing
- Medical and dental practice equipment
Commercial Real Estate Loans
- Buying your business's first owned location
- Refinancing maturing CRE debt
Apply for Asset-Based Lending
Free 15-minute audit. Soft credit pull only. Pay only after funded.
Start My ApplicationSoft credit pull · No score impact · 15-min commitment