Use your existing business assets to unlock powerful lines of capital.
$250K – $50M
Loan Amount
6% – 18%
Typical APR
12 months – 5 years (revolving)
Loan Term
5 – 21 days
Funding Time
Asset based lending (ABL) is a flexible financing solution where a business borrows money secured by its own assets — such as accounts receivable, inventory, equipment, or real estate. Unlike cash flow loans, ABL focuses on the value of what your business already owns, making it accessible even when profitability is inconsistent.
Minimum Credit Score
580+
Accounts Receivable
Borrow up to 85–90% of outstanding receivables owed by creditworthy clients
Inventory Financing
Leverage existing inventory as collateral to access working capital
Equipment & Machinery
Use owned equipment and machinery as security for a credit facility
Business Growth
Fund expansion, acquisitions, or large contracts without new equity dilution
Turnaround Situations
Access capital during financial restructuring or periods of low profitability
Seasonal Peaks
Scale your credit line up during peak seasons as inventory and receivables grow
From application to funding — here is exactly what to expect when applying for a Asset Based Lending.
Lender evaluates your eligible assets — receivables, inventory, equipment — and assigns a borrowing base.
You submit regular reports (weekly or monthly) showing asset values. Your available credit adjusts accordingly.
Draw funds as needed up to your approved borrowing base. Capital scales with your business assets.
As receivables are collected and inventory is sold, the line replenishes — keeping capital in constant motion.
Min. Credit Score
580+
Eligible Assets
Receivables, inventory, equipment
Annual Revenue
$1M+
Time in Business
1+ year
Collateral
Business assets required
Reporting
Regular borrowing base reports
Advantages
Credit line grows as your business assets grow
Available to businesses with inconsistent profits
Lower rates than unsecured financing
Large facility sizes up to $50M+
Considerations
Requires ongoing asset reporting and audits
Complex structure — more administrative overhead
Only as strong as the quality of your assets
Submit your application in under 10 minutes and get matched with top lenders offering competitive rates tailored to your profile.
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