Asset-Based Lending

PRIVATE SECURITIZATION & CAPITAL INTRODUCTION

01 · Deal Submission

Send your borrowing-base data & use-of-funds. We confirm fit within 24 h.

02 · Underwrite & Structure

We scrub collateral, size advance rates, model covenants, prep lender deck.

03 · Funding via Network

Forward-flow lenders issue terms, diligence closes, line activates—usually < 30 days.

Learn More

LIQUIDITY FROM OPERATIONAL ASSETS

Asset-based lending (ABL) is a senior secured credit facility that advances cash against the current value of trade receivables, inventory, and machinery rather than projected EBITDA.

Request A Quote

OUR ABL TOOLKIT

Plug-In CRO & RevOps Team

We design the structure that clears compliance and cash-flow hurdles, then place it with lenders already primed to buy the paper.

AR Revolving Line

Up to 90% advance on eligible invoices.

Inventory Term Loan

Raw & WIP inventory financed at cost × 70 %.

Machinery & Equipment TL

Appraised FMV, 5-year amortization.

Purchase-Order Finance

Guarantee supplier payments before shipment.

In-Transit Inventory

Borrow while goods are on the water.

Split-Lien Structures

First lien on working capital, second on fixed assets.

Stretch ABL

Senior + FILO tranche lifts leverage.

Swingline & Overadvance

Temporary bursts above formula.

Covenant-Lite Reporting

Borrowing-base certs, no cash flow tests.

Collateral Audit

On-site and remote field exams.

Borrowing-Base Dashboard

Daily availability & dilution metrics.

Evergreen Re-ups

Auto-renew terms tied to AR churn.

Submit your borrowing-base data today. You’ll receive a proposal within 1–3 business days.

Request A Proposal

FREQUENTLY ASKED QUESTIONS

Our median turnaround is 28 days from data-drop to first draw—assuming clean collateral schedules.

We don’t. Greenstone structures and underwrites, then places the facility with forward-flow lenders that already have program agreements signed with us.

Trade receivables, raw/WIP/finished goods, in-transit inventory, and hard assets such as CNC machines, fleet, or yellow iron. Real estate can be added for extra headroom.

We size rates off dilution history, customer concentrations, appraisal values, and turn ratios. Typical baselines: 85-90 % A/R, 70-75 % inventory, 65 % M&E FMV.

Yes. Corporate or personal guarantees, standby letters of credit, or even a master customer contract can trim spreads by 50-150 bps and push advance rates 5-10 % higher. We advise on the lightest-touch enhancement that still satisfies lender credit boxes—so you don’t over-pledge the balance sheet.

Asset-based lending is private credit. Where a securities license is required—say, note syndication—Financely operates under formal chaperone agreements with registered broker-dealers.