Borrow Against What Your Business Already Owns.
When growth outruns profit history, a cash-flow lender caps you exactly when you need room. Asset-based lending sizes a revolving facility against your receivables, inventory, and equipment — so availability expands as the business expands instead of being frozen at last year's numbers.
Receivables, inventory & equipment Availability grows with the business Works for growth and turnaround files
Matched against 50+ lending partners to find your best terms.
Better Business Bureauaccredited business
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
How asset-based facilities are built
Most facilities combine more than one collateral class. The borrowing base is the sum of what each contributes.
Receivables-Backed Revolver
Best for companies selling on 30 to 90 day terms to creditworthy customers.
- How it is sized
- An advance rate applied to eligible accounts receivable, adjusted for aging and customer concentration.
- Why it scales
- Every new invoice to a qualified customer adds availability automatically.
- Reporting
- Regular aging reports and borrowing-base certificates keep availability current.
Inventory-Inclusive Facility
Best for distributors, manufacturers, and seasonal importers carrying real stock.
- How it is sized
- A lower advance rate on eligible finished goods, commonly supported by a third-party appraisal.
- Best fit
- Businesses that must buy stock months before it converts to cash.
- Related
- Compare with our Inventory Financing page for a simpler, faster single-purpose structure.
Equipment & Fixed-Asset Component
Best for asset-heavy operations with owned, unencumbered machinery.
- How it is sized
- Against appraised orderly liquidation value, added as a term component alongside the revolver.
- Also possible
- Sale-leaseback on owned equipment to unlock cash without giving up use of the asset.
- Requirement
- Clean title and an accurate lien picture on each unit included.
Full ABL Facility
Best for larger operations consolidating several borrowings into one structure.
- Structure
- A single borrowing base combining receivables, inventory, and fixed assets with one reporting cycle.
- Diligence
- Expect a field exam, collateral audit, and appraisals during setup.
- Timeline
- Weeks rather than days — this is a structured facility, not a fast advance.
When asset-based lending is the right answer
These are the situations where a borrowing base outperforms a conventional line.
Growing faster than profit history
Revenue doubled but last year's tax return caps your bank line. Collateral tells the current story.
Heavy receivables concentration
A few large, creditworthy customers can support significant availability.
Seasonal inventory buys
Fund stock months ahead of the selling season without draining operating cash.
Consolidating stacked debt
Replace several short-term advances with one structured facility and one payment cycle.
Turnaround or post-loss year
Collateral-driven underwriting keeps capital available while earnings recover.
Acquisition support
Use the acquired company's receivables and inventory as part of the funding structure.
Invoice Advance & Fee Calculator
See how much cash an unpaid invoice could put in your account this week, and what the factoring fee looks like at typical advance rates. Adjust the numbers to match your receivables.
Your Invoice
Enter the invoice face value and the terms you expect. Advance rates commonly run 70% to 95%; fees 0.8% to 3% per 30 days.
The advance is what lands in your account now. The rest of the invoice is released to you, minus the fee, once your customer pays — so the fee is the real cost, not the holdback.
Estimate for planning purposes only. Actual advance rates and fees are set by the funding partner based on your customers' creditworthiness.
What this calculator works out
This asset-based lending calculator estimates the borrowing base advanced against receivables — the up-front cash, the fee at your rate, and the remainder released on collection.
Asset-based selection criteria
This is a documentation-driven product. Clean reporting is most of the qualification.
Revenue scale
Generally fits companies in the low seven figures of annual revenue and above.
Collateral quality
Business-to-business receivables from creditworthy customers, and inventory that is genuinely sellable.
Reporting capability
Accurate aging reports, inventory records, and monthly financials you can produce on schedule.
Documents
Accounts receivable and payable aging, inventory listing, equipment schedule, debt schedule, and recent financial statements.
What drives your borrowing base
Two companies with the same revenue can end up with very different availability. These are the levers.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Eligibility rules
Invoices past a certain age, related-party billings, and disputed items are typically excluded before advance rates apply.
Customer concentration
Heavy reliance on one customer usually triggers a cap on how much of that balance counts.
Inventory appraisal
Advance rates on inventory follow orderly liquidation value, which is often well below your cost.
Dilution history
Credit memos, returns, and short-pays reduce advance rates. A clean collection record raises them.
Lien position
Existing UCC filings must be addressed. Undisclosed liens are the most common reason a file stalls late.
Ongoing covenants
Expect reporting requirements and a field exam cycle. Facilities are monitored, not set and forgotten.
Questions, Answered
A revolving credit facility sized against what your business owns — receivables, inventory, equipment, and sometimes real estate — rather than against a cash-flow ratio alone.
A bank line is usually capped on cash flow and covenants. An asset-based line grows as your collateral grows, which suits companies scaling faster than their profit history.
Through a borrowing base: an advance rate applied to eligible receivables, plus a lower rate on eligible inventory, adjusted for concentration and aging.
Often yes. That is the core advantage — the collateral carries the file, so a growth-stage or turnaround company can access capital a cash-flow lender would decline.
Related but not identical. Factoring sells specific invoices; asset-based lending is a revolving facility you draw on, and it can include inventory and equipment in the base.
It generally starts to make sense in the low seven figures of annual revenue and scales well above that. Smaller files are usually better served by a line of credit or factoring.
Put Your Balance Sheet to Work
One application, matched against 50+ lending partners. Soft credit pull to start, and no cost to apply.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015