Unlock the Hidden Value
In Your Assets
Leverage your inventory, equipment, and accounts receivable to secure flexible, high-limit capital designed to fuel your company's expansion.
Check What You Qualify ForWhat is Asset Based Lending?
Asset Based Lending (ABL) is a business loan or line of credit secured by collateral like inventory, accounts receivable, equipment, or other balance-sheet assets.
It's a powerful way to access large amounts of capital based on what your business owns, rather than relying solely on cash flow or your personal credit score. This makes ABL highly flexible and often more accessible than traditional unsecured lending.
How It Works
Asset Valuation
We evaluate the current value of your eligible assets (inventory, equipment, or receivables).
Determine Credit Line
You are approved for a revolving line of credit or term loan based on a percentage of your assets' value.
Access Funds
Draw funds as needed to support operations, and repay as you collect on receivables or generate revenue.
Is Asset Based Lending Right for You?
The ideal solution for asset-rich companies looking to maximize their borrowing capacity.
Ideal For
- Manufacturers: Leverage raw materials, work-in-progress, and finished goods inventory.
- Wholesalers & Distributors: Turn large volumes of warehouse inventory into working capital.
- Transportation & Logistics: Use heavy equipment and fleet vehicles to secure financing.
- High-Growth B2B Companies: Businesses with strong accounts receivable but tight cash flow.
Key Benefits
Higher Limits
Access larger funding amounts compared to unsecured loans by backing the loan with assets.
Flexible Terms
Often structured as a revolving line of credit that grows as your asset base grows.
Easier Approval
Lenders focus more on the collateral value than on historical cash flow or credit scores.
No Equity Dilution
Raise significant capital without giving up ownership or control of your business.
Why Fundja Capital?
We specialize in structuring complex, asset-backed deals. We know how to present your collateral to the right lenders to maximize your borrowing base.
- Strategic ValuationWe help highlight the true value of your assets to secure the highest possible advance rates.
- Access to Top-Tier LendersOur relationships with specialized ABL lenders ensure you get competitive rates and flexible covenants.
- Expert StructuringWe align the financing structure with your specific operational needs and growth timeline.
Common Use Cases
Asset Based Lending is highly versatile and can be used to fund major strategic initiatives.
Frequently Asked Questions
Everything you need to know about Asset Based Lending.
Check Your Funding Options
Find out how much you can get approved for today. Fast, secure, and zero impact on your credit score.*