Borrow against your balance sheet
Credit lines and loans secured by receivables, inventory, or equipment you already own.
Asset-based lending sizes your credit to the value of what you already own — receivables, inventory, or equipment — rather than relying only on cash-flow history. It suits established businesses with real assets on the balance sheet but revenue or credit that doesn't fit a conventional term loan as cleanly.
Read the complete guide →At a glance
A few ways this is commonly structured. Your advisor helps you pick the right one.
Your credit limit tracks eligible receivables as they're generated and collected.
Best for: B2B businesses with strong, creditworthy customers.
Move the sliders to explore. These are illustrative figures, not an offer.
ABL is often revolving and sized to your asset base — this estimates the cost of carrying a term-style draw against it.
Estimated monthly payment
$22,842
Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms.
Factoring sells individual invoices; asset-based lending is a broader credit facility sized to your full asset base and can include inventory or equipment, not just receivables.
No — because the assets secure the loan, ABL is often accessible to businesses whose credit or history wouldn't qualify for a conventional term loan at the same size.
Most commonly accounts receivable and inventory, sometimes equipment. Your advisor reviews what you have and what it can support.
Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Straightforward funding for payroll, inventory, and the everyday costs of running your business.
Learn more →Revolving access to capital you draw and repay as cash flow requires.
Learn more →One application, every option compared. No fee, no obligation, no credit impact.