Asset-Based Lending

Asset-Based Lending

Asset-Based Lending (ABL), also known as asset-based financing or commercial finance, enables businesses to increase cash flow by collateralizing their assets.

As the financing is collateralized by an asset monitored throughout the term, it requires minimal financial covenants. The terms are generally more flexible, and the rates are lower than unsecured loans. 

Asset-Based Lending
Apply for Asset-Based Lending

Established businesses with significant assets

Asset-based lending is a financing arrangement collateralized by equipment, inventory, accounts receivable, property, or other assets owned by the borrower. 

Asset-based lending is popular in manufacturing, distribution, trucking, and many other industries with significant balance sheet assets. 

Flexible terms to maximize your opportunity​

Amount

Up to $75M

Agreement Term

1-3 years (typical) or flexible terms based on your needs

Advance Rate

50% to 75% depending on asset type and quality

Asset-based Lending is best for businesses with significant revenue streams and the need to scale flexibly. 

ABL does not require the transfer of assets. Instead, the company’s assets are monitored as collateral against the financing. 

BorrowPartner offers Asset-Based Lending in all 50 US states and the District of Columbia. 

Assets Leveraged and Use of Proceeds

What Assets Can You Leverage?

  • Accounts Receivable
  • Inventory
  • Equipment
  • Real Estate

Common Uses for Asset-Based Lending

  • Rapid inventory expansion for seasonal demand
  • Financing growth without diluting equity
  • Bridging cash flow while scaling operations
  • Leveraging A/R and inventory to fund acquisitions
  • Accessing capital when loans aren't available

How to get started with Asset-Based Lending?

You can do it yourself

  • Start the application process by completing the asset-based lending online application and submitting reports of your asset to be collateralized.
  • The application is easy and without commitment.

Or, we can assist

  • Complete our contact form and select Application Assistance in the Inquiry Type, and a representative will call you promptly. BorrowPartner assists you every step of the way.

Either way, after receiving your completed financing application, our advisors will promptly review the information and the documents you included and submit the file for prompt processing.

Start Your Application

How does Asset-Based Lending work?

After processing your application, our advisors will send you the best asset-based lending offers for your business. Your offers will include the estimated advance amount and advance rate.

Select the ABL offer you prefer, approve the application, and return it to your BorrowPartner advisor.

To confirm a company’s eligibility for asset-based lending, the lender will evaluate the borrower’s financials and physical assets. That assessment will determine the collateral’s eligibility and the advance rates it will set. 

Once agreed upon, the agreement is executed, and you start enjoying the cash flow flexibility your ABL provides. That’s it. 

Get the financing your business needs to grow

Applying for funding with BorrowPartner does not affect your personal credit score

Apply Now
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