FacilitiesAsset-based lending
Asset-based lending
Borrow against the assets you already hold — ledger, stock, and sometimes plant — in one facility.
- RANGE
- $250,000 – $5m
- TERM
- Revolving, annual review
- PRICE
- From 10.4% over cost of funds, indicative
- DECISION
- One to two weeks
Asset-based lending is for businesses whose balance sheet is the story: stock that turns, a ledger of good names, kit that holds value.
Availability is calculated, not guessed. You see the borrowing base. As invoices are paid and stock moves, the line moves with them.
Suited to
- Wholesalers and manufacturers
- Growing firms out of a single product
Outside the line
- Businesses with no tangible assets
- Tickets under $250,000 — use a simpler product
Questions we are asked
How often is the borrowing base reported?
Monthly in the ordinary case, weekly if the stock turns fast or the facility is stretched.
ALSO ON THE DESK
- Invoice financeRelease the cash sitting in unpaid invoices and keep trading while customers take their terms.
- Working capital loansSmooth a short gap in cash without pledging the whole of the business.
- Sales tax loansSpread a sales-tax quarter over three to twelve months so the bill does not empty the account.