Asset-Based Commercial Loans
An Asset-Based Loan (ABL) uses your business’s assets—such as accounts receivable, inventory, or equipment—as collateral for a loan. This type of financing allows you to borrow based on the value of your assets, often resulting in larger credit lines than unsecured loans. It’s especially useful for businesses with substantial tangible assets seeking working capital or growth funds.
Ready To Expand?
Access Asset-Based Financing for Local Businesses
SMB Lender offers asset-based loans with flexible terms and transparent underwriting to help you unlock working capital and improve cash flow.
Ready To Apply or Need More Info?
Fill out the form and get in touch with a loan agent. We can help you decide if commercial loans or lines of credit are right for your situation and help you with the application process.
With our preferred lenders, we’ve made the process as streamlined as possible, reducing closing times and surprises. Most businesses are funded within 30 days of application.
Should You Consider Asset-Based Financing?
An asset-based loan can be a vital lifeline for businesses facing cash flow challenges or rapid growth that outpaces working capital. Because the loan amount scales with the value of your collateral, it offers flexibility that adjusts as your business grows. This makes asset-based lending a dynamic financing option suited for companies in industries like manufacturing, distribution, and retail, where tangible assets play a central role.
Grow your future. Secure your legacy. Let’s build your business together.
Frequently Asked Questions
Answers to commonly asked questions about Commercial Term Loans.
1. What assets can be used as collateral?
Accounts receivable, inventory, machinery, real estate, and other tangible assets.
2. How is the loan amount determined?
Based on a percentage of the value of your collateral assets.
3. What are typical uses of asset-based loans?
Working capital, business expansion, inventory purchases, or debt refinancing.
4. Are asset-based loans more expensive than traditional loans?
They may have higher fees but often provide larger amounts and flexible terms.
5. What happens if I default?
The lender can seize the collateral to recover the loan amount.