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Borrow against what you own

Asset-Based Lending — Turn Inventory, Receivables and Equipment Into a Facility

Asset-based lending sizes a facility off a borrowing base — a percentage of eligible receivables, inventory and equipment — instead of off trailing cash flow. For an asset-heavy business with uneven earnings, it usually produces a bigger and cheaper facility than any cash-flow product will.

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Program guidelines

Amount$10,000 – $5,000,000
TermProgram dependent
SpeedDays to weeks
CreditProgram dependent
Time in business—
Revenue—

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Who this is right for

  • Manufacturers, distributors and wholesalers with real inventory
  • Businesses coming off a loss year that still own valuable assets
  • Companies whose growth is limited by working capital, not demand
  • Turnarounds and recapitalizations that a cash-flow lender will decline

How it works

  1. We build a borrowing base from your receivables aging, inventory and equipment.
  2. The facility grows as those assets grow, instead of being frozen at a fixed amount.
  3. Reporting is heavier than a term loan — usually monthly, sometimes weekly.
  4. Often combined with factoring or PO financing on the same balance sheet.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

Asset-Based Lending — straight answers

What is the difference between asset-based lending and factoring?
Factoring advances against specific invoices. Asset-based lending sizes a revolving facility against a whole borrowing base — receivables plus inventory and sometimes equipment — and generally has more reporting and lower cost.
What assets can I borrow against?
Eligible accounts receivable, inventory and equipment are the common three. Real estate can be added in larger structures.
Is this available to small businesses?
Yes, though it fits asset-heavy businesses best. If you carry little inventory and few receivables, a line of credit is the better tool.

Compare with

Small Business Loans

Term Loans & Working Capital

Business Line of Credit

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SBA Loans

Lowest cost, longest terms

No cost · No obligation

See if you qualify for asset-based lending

One application, a soft review only, and an honest read on whether this is even the right product for you.

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Checking your options does not affect your business credit. A soft review only.