Asset-backed lending uses what you already own — receivables, inventory, equipment, or real estate — to secure larger credit facilities than you'd qualify for unsecured. The financing tool of choice for asset-heavy businesses.
Plenty of businesses look small on paper — modest revenue, lean staff — but sit on millions in receivables, inventory, or equipment. Asset-backed lending unlocks that value. Instead of waiting 60 days to get paid on invoices or holding inventory while it ages, you borrow against those assets at competitive rates.
Most ABL facilities are revolving lines, which means as you generate new invoices or move inventory, your available credit refreshes. It's the financial infrastructure of every serious wholesaler, manufacturer, and distributor we know.
Borrow far more than unsecured products allow — facilities starting at $250K, often into the millions.
Pay down, redraw, repeat. Capital scales with your business automatically.
Qualification weighs the assets heavily. Less about historical profit, more about what you own.
ABL is typically cheaper than traditional invoice factoring while serving similar use cases.
ABL underwriting focuses on the quality and value of your assets. We'll need to review your AR aging, inventory reports, and equipment schedules.
Wholesale & distribution. Use invoices and inventory to fund larger purchase orders or seasonal builds.
Manufacturing. Borrow against work-in-progress and finished goods to smooth cash flow.
Staffing agencies. Pay workers weekly while waiting on Net-30 or Net-60 client payments.
Importers. Bridge the gap between paying suppliers overseas and collecting from US buyers.
No application fee. No impact on your credit. A real conversation about whether this is the right tool for what you're trying to do.