Asset-Based Lending Companies
Connect with specialized lenders who understand asset-based financing and can provide tailored funding solutions for your business.
Find ABL LendersUnderstanding Asset-Based Lending
Asset-based lending (ABL) is a specialized form of business financing where loans are secured by your company's assets. ABL companies provide funding based on the value of collateral such as equipment, inventory, accounts receivable, and property.
Unlike traditional lenders who focus primarily on credit scores and cash flow, asset-based lenders evaluate the quality and value of your assets, making them excellent partners for businesses with valuable assets but variable cash flow.
Benefits of Working with ABL Companies
Specialized Industry Knowledge
ABL lenders understand specific assets and industries, allowing them to value your collateral accurately and structure appropriate financing solutions.
Greater Funding Access
Businesses with limited credit history or fluctuating revenues may secure funding based on asset value rather than traditional lending criteria.
Flexible Terms
ABL companies often provide more customized financing arrangements to accommodate your business's specific operational needs and growth plans.
Faster Decision Process
Focusing on asset valuation often results in quicker approval processes compared to traditional lenders who require extensive financial history analysis.
Common Types of Asset-Based Lending
Accounts Receivable Financing
Obtain funding based on the value of your outstanding invoices, improving cash flow while waiting for client payments.
Inventory Financing
Use your inventory as collateral to secure working capital or growth funding for your business.
Equipment Financing
Leverage your machinery and equipment value to secure funding for business operations or expansion.
Learn about Equipment Finance →Real Estate-Based Lending
Obtain financing using commercial property as security, often with higher loan amounts and longer terms.
Refinancing
Release equity from existing assets to improve cash flow or fund further investments.
Learn more about Refinancing →How to Choose the Right ABL Company
When selecting an asset-based lending company, consider these key factors to ensure you partner with a provider that best meets your business needs:
- Industry expertise and experience with your specific type of assets
- Loan-to-value ratios offered and competitive interest rates
- Flexibility in terms and repayment structures
- Reputation and customer reviews from similar businesses
- Transparency regarding fees and charges
- Quality of customer service and dedicated account management
- Speed of funding approval and disbursement
Working with an ABL specialist or broker can help you navigate the market and find the most suitable lender for your specific circumstances.
Related Services
Asset Finance Brokers
Work with experts who can connect you with multiple ABL lenders to find the best terms.
Find a broker →Get an ABL Quote
Request a free, no-obligation quote from trusted asset-based lenders.
Request a quote →Business Loans
Explore alternative business funding options beyond asset-based lending.
Compare loan options →Frequently Asked Questions
What types of assets do ABL companies accept as collateral?
ABL companies typically accept accounts receivable, inventory, equipment, machinery, real estate, and sometimes intellectual property. The specific assets accepted vary by lender and their specialization.
How quickly can I secure funding from an asset-based lender?
Timeline varies by lender and complexity, but many ABL companies can provide initial approval within days and funding within 1-3 weeks. The process includes asset valuation which affects timing.
Is my credit score important for asset-based lending?
While credit scores are considered, ABL companies place greater emphasis on the value and quality of your assets. This makes asset-based lending accessible to businesses with less-than-perfect credit histories.
What loan-to-value ratios do ABL companies typically offer?
Ratios vary by asset type: accounts receivable typically 70-90%, inventory 50-70%, equipment 60-80%, and real estate 70-80%. Higher-quality assets and stronger borrowers may receive more favorable ratios.
Ready to Explore Asset-Based Lending?
Connect with specialized ABL companies that can provide the funding your business needs.
Get Expert Advice