Custom financial solutions to help businesses achieve sustainable growth.
Our mission is to finance your long-term profitable growth and to do so with maximum flexibility. We offer personalized solutions like asset financing with a white-glove service. Each of our asset-based lending credit facilities is custom-designed to meet the individual needs of your business, taking into account trade cycles, seasonality, customer base and more.
Asset financing helps stabilize operations for companies that are growing rapidly, have tight cash flows, or have seasonal revenues.
Our asset-based financing options have fewer covenants than conventional lines of credit. Managing the line and staying in compliance is substantially simpler.
Asset-based financing gives you quick access to financing when required – Tap into your assets to generate the cash
As an asset-based lender we customize solutions and contract terms that match the requirements of your business.
Flexible Financing to businesses that are experiencing accelerated growth.
Asset-based lending is suitable for small & medium businesses as well as large corporations.
Asset-based Lending is a great solution for your business if you are a:
As an asset financing company we allow founders and company leaders to leverage assets while optimizing ownership structure and minimizing dilution of equity. Employing debt enables the flexibility to complement equity and provide additional working capital for business.
ASSET-BASED LENDING
We are more than an asset-based lender, we are a strategic partner helping companies reach their goals and build for success. We support everything from young growing companies who need flexible financing to long-standing businesses that may recently have been facing financial challenges.
Every journey begins with a vision–the story of how you got started and where you’d like to end up. We want to hear yours.
What are your assets worth? Receivables, inventory, capital equipment, and even intellectual property. Let’s see what we’re working with.
You’ve worked hard to reach this level of business success. It’s time your business worked for you.
Whether it’s a rapid asset-based line of credit or a strategic long-term financing plan, your path to progress starts here.
We specialize in unique asset-based lines of credit and provide working capital by leveraging accounts receivable, inventory assets, and even intellectual property, to companies that generate between 2M to 100M of revenue per year.
eCapital Asset-Based Lending typically offers advance rates on collateral of up to:
Asset-based lending or some times called a ABL loan is a creative form of debt financing. It allows you to secure a loan based on the value of your business assets. With our asset-based lending program, you can borrow up to 90% of accounts receivable, 60% of inventory, 70% of FMV for M&E and RE and 40% of intellectual property, in addition we lend against credit card proceeds. You are borrowing in the form of a revolving line of credit, which is ideal, because you can use those funds whenever you need money. Since your physical assets are your collateral, there is maximum liquidity and fewer rules. Overall, this is an extremely flexible solution that bridges the buy-and-sell in your business so that you can accelerate your sales cycle.
ABL Is Formula-based. The formula is derived off of what is called a Borrowing base which is a snapshot of your assets and availability at a point of time. As our clients manufacture or acquire new inventory, and as they sell/ generate receivables from sales of that inventory, these new assets become available for inclusion in the borrowing formula.
Traditional bank loans are based predominantly on the stability of a company’s cash flow ratios, which can be difficult to maintain in volatile economic conditions. With asset-based lending, funds are generally delivered quickly, and approvals are flexible—which makes these loans suitable for businesses in several situations. Additionally, depending on your type of business, you may be able to generate a much larger loan with an asset-based loan. If you are looking into ABL financing options, be sure to ask potential lenders these questions, so you have all the details and don’t jump into any partnerships prematurely.
Asset-based loans can be a much-needed source of capital for companies that are rapidly growing, in need of additional funds during seasonal periods, or undercapitalized. Raising money for your business can be a cumbersome, time-consuming process—and you might not have time to waste! And, investors or lenders may require equity or royalties when providing funds to support your business. Simply put, with an asset-based lending loan, your business remains your business.
With asset-based lending, you can power your business with flexible funding secured by using existing business assets such as inventory, machinery and equipment, and/ or real estate. These loans often have lower interest rates, which means you are more likely to save money over time.
