ASSET-BASED LENDING
Turn your assets into accessible working capital
Unlock flexible funding by leveraging your assets—giving your business the working capital it needs to operate, grow, and scale with confidence.
Unlock flexible funding by leveraging your assets—giving your business the working capital it needs to operate, grow, and scale with confidence.
Designed for companies navigating today’s dynamic economy, this financing solution leverages your assets to unlock reliable working capital—providing the liquidity you need to operate, grow, and scale with confidence.
Leverage your existing assets—like receivables, inventory, or equipment—to secure flexible funding, without diluting ownership or taking on long-term debt.
Unlike fixed-term loans, an asset-based line of credit is revolving—giving you on-demand access to capital that adjusts with your business activity.
As customers pay or inventory turns, your credit line replenishes—supporting daily operations, growth investments, and long-term stability.
A wildly-popular Fragrance Brand needed additional working capital to navigate seasonality and prepare for production & distribution acceleration.
While operations were running smoothly and yearly revenue numbers were performing above expectations, this Fragrance Brand had its sights on aggressive growth. Having reached its maximum credit capacity within its current facility at a prominent bank, this Fragrance Brand needed a short-term boost in working capital to accelerate growth.
This Fragrance Brand reached out to eCapital for help. We reviewed their business statements, and helped them understand their options for turning their long-term assets into easily accessible cash flow solutions. After assessing their A/R, inventory, production equipment, real estate & IP (brand equity), eCapital provided this Fragrance Brand with a $20mm facility. The company will use the funding to sustain operations through peak seasons and accelerate the business for the future.
Read the full use case
A fast-growing candle manufacturer secured an exclusive nationwide deal with a major retailer, requiring rapid production scaling and working capital to meet high-volume demand and tight delivery timelines.
Securing the exclusive contract was a milestone, but it demanded a 34% production increase. The manufacturer needed to invest in upgrades, staffing, and logistics—without upfront payments. With strict net-60 terms, fast, flexible funding was essential to bridge the cash flow gap and scale operations without disruption.
The manufacturer turned to eCapital for a financing solution tailored to its rapid growth. Acting quickly, eCapital conducted a thorough review of financials, visited the production facility, and assessed sales and receivables strength. Leveraging the value of the exclusive retail contract, eCapital structured a $45 million asset-based line of credit, including an unbilled facility that advanced funds on purchase orders, supported the full production cycle, and eased the impact of 60-day payment terms.
Read the full use case
A leading U.S. irrigation systems manufacturer faces declining sales amid rising competition and must now invest in innovation, upgrade products, and adopt new strategies to restore growth and market share.
Facing competitive pressure and shifting regulations, the company prioritized R&D to develop eco-efficient irrigation components and improve water distribution. Simultaneously, it planned equipment upgrades and automation to boost efficiency—initiatives requiring significant capital beyond existing credit limits.
To support its growth and innovation goals, the manufacturer partnered with eCapital for a flexible financing solution. Following a review of the company’s financials and projections, eCapital structured a $35 million asset-based lending facility secured by a strong sales ledger and valuable equipment assets. The structure provided ample working capital, with repayment terms aligned to the company’s forecasted break-even point within 18 months—ensuring both immediate support and long-term financial sustainability.
This Southern California freight brokerage grew to $65M in revenue by 2024 but now faces cash flow strain, risking operations, carrier relationships, and continued growth across key Southwestern lanes.
In early 2025, surging imports at the Port of Long Beach drove shipment growth for a brokerage already facing tight cash flow. With carriers demanding fast payment, shippers delaying theirs, and a 20% volume drop looming, the firm’s credit line was pulled—leaving the business on the brink of insolvency.
The trucking company turned to eCapital for support. After a rapid audit of its fleet value, collateral, and freight potential, a key opportunity emerged: the company was well-positioned near a major inland intermodal terminal with capacity to serve recovering domestic lanes. eCapital delivered a custom asset-based refinancing solution, unlocking capital from trailers and receivables to stabilize operations and support growth.
Read the full use case
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $150 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
"*" indicates required fields
An asset-based line of credit is a flexible financing solution secured by your business’s assets—such as accounts receivable, inventory, or equipment—providing access to working capital that grows with your asset base.
Unlike a traditional loan that focuses on your company’s creditworthiness, an ABL is primarily secured by your assets, making it more accessible for businesses with strong collateral but limited conventional borrowing capacity.
Typical collateral includes accounts receivable, inventory, machinery, equipment, and sometimes real estate, depending on the lender’s requirements and your business profile.
ABL solutions are ideal for businesses experiencing rapid growth, seasonal fluctuations, tight cash flow, or credit availability constraints, as well as companies needing flexible funding tied to operational assets.
Availability is recalculated regularly based on updated collateral reports (e.g., receivables aging reports or inventory valuations), allowing the line of credit to expand or contract with your asset levels.
In some cases, particularly with ledgered lines of credit or confidential facilities, your customers will not be notified. In other cases, such as traditional invoice factoring, customers may be instructed to remit payments to the lender directly.
An Asset-based line of credit can also be referred to as: Collateral-Based Financing, Asset-Backed Lending, Secured Business Financing, Tangible Asset Financing, Leverage-Based Financing, Structured Asset Finance, Capital Secured Lending, Asset-Driven Financing, Working Capital Secured Loans, Fixed Asset Financing, Operational Asset Financing, Business Asset Lending, Asset Collateral Finance, Asset-Secured Capital Solutions, Hybrid Asset Lending.