What is Asset-Based Lending?
A flexible financing solution that lets you unlock the hidden value in your business assets to secure the working capital you need.
How It Works
With an asset-based loan, you secure a revolving line of credit where the borrowing amount is tied directly to the value of your assets—like accounts receivable, inventory, or equipment. As your asset base grows, so does your access to capital. It's a dynamic way to fund your operations and growth.
Key Advantages
Greater Flexibility
Fewer restrictive covenants than traditional loans, giving you more operational freedom.
Increased Capital
Access more funding than you might with a conventional loan based on cash flow alone.
Scalable Financing
Your credit line grows as your asset base increases, supporting your expansion.
Faster Funding
A streamlined approval process gets you the capital you need much faster.
Asset-Based Loans vs. Traditional Bank Loans
| Feature | Asset-Based Loan | Traditional Bank Loan |
|---|---|---|
| Approval Basis | Value of Assets | Credit Score & Cash Flow |
| Approval Speed | Fast (Days) | Slow (Weeks/Months) |
| Flexibility | High (Revolving Credit) | Low (Fixed Term) |
| Ideal For | Growth & Cash Flow Gaps | Stable, Predictable Businesses |
Ready to See if You Qualify?
Take the next step and find out how your assets can fuel your business growth.
See It in Action: Success Stories
Asset Used: Future Commission & Agents Property
A real estate agent secured a promising listing that required significant renovations to meet its market potential. Instead of letting the opportunity languish, they used their future commission as collateral for an asset-based loan. This provided the immediate capital needed to modernize the property, leading to a fast, high-value sale and a maximized commission.