What to expect
A way for asset-heavy businesses to convert what they own into working capital. Your advisor helps value the collateral and structure a fitting facility.
Terms, rates, and eligibility vary by lender and are reviewed one-on-one with your funding advisor.
What is Asset-Based Lending?
Asset-based lending (ABL) uses your business assets — inventory, equipment, or accounts receivable — as collateral to unlock working capital. Because the facility is secured, it can be a practical fit for asset-heavy businesses.
ABL is well-suited to companies that are growing quickly or navigating a turnaround and need liquidity tied to what they already own. Your advisor helps you value the collateral and structure a facility that fits your balance sheet.
Key benefits
- Put assets you already hold to work
- Often more flexible than unsecured options
- Can grow as your asset base grows
- Useful for growth, seasonality, or turnaround
Eligibility
Basic requirements
- Assets to pledge (inventory, A/R, equipment)
- Organized financials and asset reporting
- Established operating history
- Business bank account and statements
- Collateral reviewed by the lender
How It Works
Getting funded, step by step.
Apply
Tell us about your business in a short form — it only takes a few minutes.
Discovery Call
You work one-on-one with a funding advisor who learns your goals and maps your options.
Get Matched
Your advisor shops your file across 80+ financial institutions for the strongest offers.
Get Funded
Review your options, choose what fits, and move forward with your advisor.
Asset-Based Lending questions
Commonly accounts receivable, inventory, and equipment — sometimes real estate. The mix depends on the lender and the quality of the collateral.
No. Healthy, fast-growing companies use ABL to fund expansion. It's simply a way to convert asset value into liquidity.
Equipment financing funds the purchase of a specific asset. ABL borrows against assets you already own across categories like inventory and receivables.
Submit a short inquiry and your funding advisor reviews your assets and structures the options with you.
Ready to find your funding fit?
Start with a short form. You'll work one-on-one with a funding advisor who shops 80+ institutions for your best fit.