Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Our Asset-Based Line of Credit (ABL) provides a flexible financing solution by letting you leverage your inventory and equipment alongside your accounts receivable. This approach helps maximize your borrowing potential across multiple asset types. However, to qualify, clients must be rated as low risk and meet certain due diligence requirements, which may include field exams and asset appraisals.
| Step 1
We underwrite your business to establish a facility. This process can take several weeks due to the need to complete a field exam and/or asset appraisal. |
| Step 2
Upon the facility being approved and documented, you submit a completed borrowing base certificate with current accounts receivable aging, inventory reporting (as applicable), and equipment reporting (as applicable). |
| Step 3
Our team validates a portion of the submitted receivables and then provides availability based on agreed-upon advance rates on accounts receivable, inventory, and equipment. |
| Step 4
You can then draw on that availability as needed. |
| Step 5
Payments from your customers are applied to the outstanding balance (net of any fees). |
| Step 6
On the agreed-upon cadence, an updated borrowing-based certificate with supporting reporting is provided to refresh the availability. |
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Facility Size:
$500,000 to $5,000,000
Advance Rate:
Pricing: As Low as 1% Per Month
Flexibility: You Draw on Availability as Needed
Eligible Invoices:
Eligible Inventory:
Marketable Raw Materials and Finished Goods Inventory with Medium to Long Shelf Life Located in the US
Eligible Equipment:
Stable Valued, Marketable Equipment Located in the US
Think of ABL as a flexible line of credit that’s backed by the assets your business already owns. Things like receivables, equipment, inventory, or other business assets. The stronger your assets, the more borrowing power you have.
We review your eligible assets to establish what’s called a borrowing base. As those assets go up or down – like when receivables come in – your available credit adjusts with them. You just draw what you need, when you need it. It works a lot like a revolving line of credit but with more flexibility.
A wide mix. Companies growing quickly, navigating, seasonal swings, or needing more room than a traditional bank loan allows often turn to ABL. We commonly see Manufacturing, Distribution, Oilfield Services,Staffing, and similar industries use it to keep things moving smoothly.
Great question. Both give you working capital, but ABL is structured as a revolving line of credit secured by one or more asset types—not a sale of invoices.
Your borrowing availability is based on advance rates applied to eligible assets. For example:
Exact amounts vary based on your financials, asset quality, customer strength, and industry.
A BBC is simply a report you submit, typically weekly, that shows updated receivables, inventory, and other collateral values, which determines the availability on your facility.
Reporting varies by business, but typically includes:
Most ABL facilities come together in about 2 weeks, depending on how complex the collateral is, and whether a field exam is required.
Before closing (and occasionally after), we’ll do a field exam to review your collateral, processes, and financial controls. It helps ensure everything is accurate and protects both you and us.
ABL is especially helpfull when you:
Absolutely. Many businesses start with factoring when they’re early in growth, then transition into ABL as their reporting, stability, and capital needs expand. It’s a natural progression and we support both.
No matter what stage your business is in,
we have a tailored solution.
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