Funding Zone • ABL
Asset-Based Lending (ABL)
Flexible working capital secured by your company’s receivables, real estate, equipment, inventory, and other hard assets—without giving up equity or control.
How It Works
ABL is structured around the strength and value of your collateral. We review eligible assets to establish a borrowing base and provide a revolving line or term facility sized to your needs.
- Collateral-focused: Emphasis on receivables, real estate, inventory, equipment, and other hard assets.
- Higher availability: Often results in larger limits vs. purely cash-flow or FICO-driven lending.
- Fast access: Draw funds for payroll, inventory, contract starts, or consolidation.
Eligible Collateral
-Accounts Receivable
Convert outstanding invoices into immediate liquidity.
Commercial Real Estate
Use owner-occupied or investment properties to support larger facilities.
Equipment & Machinery
Leverage heavy equipment, vehicles, and production assets.
Inventory
Finished goods and raw materials can increase your borrowing base.
Key Benefits
- Flexible working capital aligned to your asset mix
- Facilities that scale as your business grows
- Often higher approval potential for asset-rich companies
- Competitive pricing and pragmatic covenants
Who It’s For
- Manufacturing, distribution, logistics
- Construction & trade services
- Wholesale, eCommerce, and importers
- Asset-intensive and seasonal businesses
Use of Funds
- Cash-flow smoothing and payroll
- Inventory purchases & new contracts
- Equipment acquisition and upgrades
- Refinancing & consolidation
