ASSET-BASED LENDING

A CREATIVE APPROACH TO ASSET-BASED LENDING

Custom financial solutions to help businesses achieve sustainable growth.

Ready to grow your business?

See what we can do for you.

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MAKE YOUR ASSETS WORK FOR YOU

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.

BENEFITS OF OUR ASSET-BASED LENDING PRODUCTS

eCapital Asset Based Lending

Gain Financial Stability & Predictable Cash Flow

Asset financing helps stabilize operations for companies that are growing rapidly, have tight cash flows, or have seasonal revenues.

eCapital an Asset Based Lender

Fewer Convenants

Our asset-based financing options have fewer covenants than conventional lines of credit. Managing the line and staying in compliance is substantially simpler.

Get Fast Cash with Asset Based Lending

Fast Access to Cash

Asset-based financing give you quick access to financing when required – Tap into your assets to generate the cash

Asset Based Financing Companies Offer Flexible Funding

Flexible Funding

As an asset-based lender we customize solutions and contract terms that match the requirements of your business.

Asset Based Lenders Improve Cash Flow

Improve Your Cash Flow

Flexible Financing to businesses that are experiencing accelerated growth.

Asset Based Lending Works for Businesses at any Growth Stage

Works For Businesses at any Growth Stage

Asset-based lending is suitable for small & medium businesses as well as large corporations.

ASSET-BASED LENDING IS
CUSTOM TO YOUR BUSINESS

Asset-based Lending is a great solution for your business if you are a:

Young, fast-growing companies

Businesses needing financing between $500,000 and $25M

Companies with at least two years of financial history

Long-standing businesses

In growth mode or facing financial challenges

Companies needing flexible financing

WAYS YOU CAN USE ASSET-BASED LENDING

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.

Get Growing

GROW YOUR INVENTORY

EXPAND TO NEW MARKETS

LAUNCH A NEW PRODUCT LINE

PAY SUPPLIERS

ASSET-BASED LENDING

YOUR 4-STEP PATH TO GROWTH

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.

1. CHAT

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.

2. PLAN

What are your assets worth? Receivables, inventory, capital equipment, and even intellectual property. Let’s see what we’re working with.

3. BORROW

You’ve worked hard to reach this level of business success. It’s time your business worked for you.

4. GROW

Whether it’s a rapid asset-based line of credit or a strategic long-term financing plan, your path to progress starts here.

ADVANCE RATES ON VARIOUS COLLATERAL

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:

ON ACCOUNTS RECEIVABLE

ON THE APPRAISED VALUE OF M&E

ON FMV REAL ESTATE

ON INVENTORY

ON APPRAISED TRADEMARKS

Ready to grow your business?

See what we can do for you.

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LEARN MORE ABOUT ASSET-BASED LENDING

Blog
03.01.22

How Asset-Based Lending Can Improve Cash Flow During Seasonal Off-Cycles

Asset-based lending works well for all sorts of companies that are growing quickly, but if you own a business that experiences seasonal fluctuations, this loan option can be especially beneficial.…
Blog
03.01.22

Why Asset-Based Lending is a Perfect Solution for the Canadian Market

To discover the unique challenges and opportunities business owners face when seeking business lending options in Canada, we interviewed Karim Habib, eCapital’s Managing Director of Business Lending. Karim was frank…
Blog
03.01.22

Asset-Based Lending and Restrictions (or Not)

Today, more than ever before, we are witnessing how asset-based lending (ABL) has become an increasingly popular way of financing, which is due in large part to its flexible structure…

FREQUENTLY ASKED QUESTIONS

What is asset-based lending (ABL)?

Asset-based lending 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 credit line, which is ideal, because you can use those funds whenever you need money. Since your 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.

How does ABL work?

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.

What are the benefits of ABL versus bank financing?

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 financing options, be sure to ask potential lenders these questions, so you have all the details and don’t jump into any partnerships prematurely.

What are the benefits of ABL versus raising money?

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.

How does ABL save me money?

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.

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