Capital backed by what you already own.

Asset-based lending uses your business assets — equipment, inventory, accounts receivable, owner-occupied real estate — as the primary collateral for capital. Because the loan is secured, you typically access higher loan amounts and longer terms than unsecured products allow, and rates tend to be more competitive than working-capital advances.

ABLs are common in equipment-heavy industries — manufacturing, construction, transportation, wholesale — where the balance sheet is meaningful even when EBITDA is uneven. Borrowing-base structures (where the available credit floats with the value of pledged assets) are also common for inventory- and AR-rich operators.

This product is built for established operators with valuable, identifiable assets and a use of funds that justifies the larger commitment — equipment-heavy industries (manufacturing, construction, transportation), inventory-heavy operators (wholesale, distribution), or businesses with substantial commercial real estate. Expect a more thorough underwriting process including a field exam or third-party appraisal of the collateral.