Asset-Based Lending
Financing sized and secured against specific business assets, such as accounts receivable, inventory, or equipment, rather than primarily on cash flow or credit history.
With asset-based lending, a lender advances funds against a percentage of the value of eligible assets, commonly 70–90% of receivables or a lower percentage of inventory value, and the loan balance adjusts as those asset values change.
Businesses with strong assets but inconsistent profit or a shorter credit history often qualify here when a traditional cash-flow-based loan is a harder fit, since the collateral itself carries much of the underwriting weight.
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