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Business Capital Advisors
Asset-Based Financing
Borrow against the assets already on your balance sheet.
Use eligible receivables, inventory, equipment, or other business assets to support a revolving facility that can grow with your operating base.
Is this the right solution?
Which business assets can support a revolving facility?
Eligible B2B receivables
Borrow against completed, collectible invoices while your team keeps billing customers and managing collections.
- Availability follows eligible invoice balances
- Customer quality and concentrations matter
- Commonly the strongest part of the borrowing base
Common for: Distributors · Staffing firms · Manufacturers · Business services
Estimate your borrowing base
Checking options won't affect your credit score.
*Illustrative estimate only. Gross borrowing base equals selected eligible receivables multiplied by the receivables advance rate, plus selected eligible inventory multiplied by the inventory advance rate. Actual eligibility, advance rates, reserves, concentrations, appraisals, lien position, fees, and availability are set by the funding partner after underwriting and a collateral review.
Explore common collateral
Eligible collateral for asset-based financing
Product definition
What is asset-based financing?
Asset-based financing is a revolving business facility supported by eligible receivables, inventory, equipment, or commercial property. Available credit changes with the borrowing base, so the structure can expand as qualified business assets grow.
How Asset-Based Financing works
How asset-based financing works
- 01→
Request
Share the capital need and the assets supporting it.
- 02→
Review
Funding partners review financials, agings, and collateral records.
- 03→
Field exam
Records, controls, value, and lien position are validated.
- 04→
Structure
Advance rates, reserves, reporting, and covenants are documented.
- 05
Draw
Access capital as eligible assets build the borrowing base.
What you'll need
Documents needed for asset-based lending
Asset schedules
Inventory or equipment lists with values
Financial package
Financial statements and recent tax returns
We keep your information secure and private.
Common questions
Asset-Based Financing, answered straight.
Eligibility, advance rates, reserves, and reporting determine real availability. Start with the questions operators should settle before opening a facility.
What assets qualify for asset-based lending?
Accounts receivable and inventory are the core, with equipment and sometimes real estate layered in. Availability is strongest on receivables from creditworthy B2B customers.
How is my borrowing availability calculated?
Through a borrowing base: commonly up to 80-85% of eligible receivables and 50% or less of eligible inventory, recalculated as those balances move. Growth in sales grows availability automatically.
How is ABL different from factoring?
With ABL you keep billing and collecting from your customers and borrow against the receivables. With factoring, the factor purchases invoices and usually takes over collection contact. ABL suits larger, more established books.
Is my business big enough for an asset-based facility?
Facilities generally start making sense around $250K and scale into the tens of millions. Below that, factoring or a revenue-based product usually fits better, we will tell you which side of the line your file sits on.
Ready to put your business assets to work?
A transparent borrowing base. Revolving availability. Built around assets you already own.
Get my funding optionsPrefer to talk? Call (307) 667-1250