Asset-Based Lending
Your assets are worth more than they look.
AmountBased on asset value
SpeedVaries by collateral
TermFlexible
PricingLower — secured by collateral
DocsEligible collateral or strong credit
Asset-based lending lets you borrow against what you already own — commercial real estate, inventory, equipment, or receivables — to unlock larger amounts at lower rates than unsecured options. We can also leverage your personal and business credit to turn available credit into usable cash.
How Asset-Based Lending works
- We value your eligible collateral (real estate, inventory, equipment, A/R).
- You receive a loan secured by that asset, typically at a lower rate.
- Or we leverage your personal/business credit lines into cash.
- Repayment terms are structured around the asset and your cash flow.
The upside
- Lower rates than unsecured funding
- Access larger amounts
- Works even with imperfect credit
- Multiple collateral types accepted
Worth knowing
- Your asset secures the loan
- Valuation/appraisal can add time
- Requires eligible collateral
Frequently asked
What can I use as collateral?
Commercial real estate, inventory, equipment, and accounts receivable are the most common. We'll tell you quickly whether your assets qualify.
Can you really turn credit into cash?
Yes — in some cases we can leverage unused personal and business credit capacity into deployable working capital. Ask your advisor if this fits your situation.