Asset Based Lending
Smart Capital
Starts Here
Tired of chasing down the right lender? We make it easy. Find the right match tailored to your business needs—all in one place.
Smart Capital, Backed by What You Already Own
Turn your existing assets into a powerful source of working capital.
Immediate Access to Capital
Be ready when opportunities or expenses arise.
With a working capital solution backed by your existing assets, you can tap into funding exactly when you need it—whether it’s to cover operational costs, payroll, inventory restock, or an unexpected bill. No delays. Just accessible cash flow on demand to keep your business moving forward.
-
Fast access
-
No delays
-
Covers expenses
-
Fills cash gaps
Flexible, Revolving Credit Line
Use what you need, when you need it.
Draw funds as needed, repay, and access again—just like a credit card, but with the power of a business-grade facility. Our revolving line of credit adapts to your cash flow cycle, giving you total control over how much you borrow and when, without reapplying each time.
-
On-demand funds
-
Interest savings
-
Flexible terms
-
Reusable credit
Scalable Credit That Grows With You
Finance that keeps pace with your business.
As your business grows, your financial needs evolve. Our asset-based credit lines scale in tandem with your business performance, so you can access more capital without starting from scratch. Whether you’re expanding locations, hiring staff, or increasing inventory, your line of credit grows as you do.
-
Grows with you
-
Higher limits
-
Business-friendly
-
Easy renewals
Large Facilities Starting at $1 Million
High-limit capital for serious growth.
If your business needs significant working capital, our facilities start at $1,000,000 and scale upward based on your collateral and qualifications. Ideal for mid-sized to enterprise-level businesses, these credit lines are designed to fuel aggressive growth, acquisitions, or major operational upgrades.
-
Large limits
-
Asset-backed
-
Long-term use
-
Strategic funding
What is Asset-Based Lending?
Asset-based lending (ABL) is financing secured by your business’s assets—like inventory, receivables, or equipment. Instead of relying on cash flow, lenders focus on collateral value, making it easier to qualify when banks say no.
Why Use Asset-Based Lending?
Asset-based lending gives your business flexible access to capital through a revolving line of credit. It helps cover expenses, manage operations, and smooth out cash flow between outgoing costs and incoming payments.
Ready to Scale Your Business?
How to Qualify
1
You must have business assets such as accounts receivable, inventory, equipment, or real estate to secure the loan.
2
ABL is ideal for businesses with at least $1 million in revenue or equivalent in tangible assets.
3
Your company must be registered and operate within the United States.
4
Lenders will want to see recent financials, such as receivables aging reports, balance sheets, or inventory lists.
People are talking
FAQ
Frequently asked questions
What is asset-based lending?
Asset-based lending is a type of financing secured by your company’s assets—such as inventory, accounts receivable, equipment, or real estate—to provide working capital.
What types of businesses benefit most from ABL?
ABL is ideal for businesses with significant assets and strong growth potential, especially in industries like manufacturing, distribution, staffing, and wholesale.
What can I use asset-based lending for?
Funds from ABL can be used for payroll, inventory purchases, expansion, equipment upgrades, or to cover temporary cash flow gaps.
How is the loan amount determined?
The loan amount is based on the value of your pledged assets. Lenders typically advance a percentage of the asset’s value, such as 80-90% of accounts receivable or 50-70% of inventory.
Is my credit score important for ABL approval?
While credit is considered, ABL relies more on the value and quality of your assets than your credit score. That makes it accessible even if your credit isn’t perfect.
How does repayment work with ABL?
Most ABL facilities work like a revolving line of credit. As you repay, the funds become available again—offering ongoing access to capital as your business needs change.