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.

LET’S TALK

We’re empowering businesses with flexible asset-based financing solutions

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.

Access working capital without giving up equity

Leverage your existing assets—like receivables, inventory, or equipment—to secure flexible funding, without diluting ownership or taking on long-term debt.

Draw funds as needed, when needed

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.

Keep cash flowing and operations moving

As customers pay or inventory turns, your credit line replenishes—supporting daily operations, growth investments, and long-term stability.

ASSET-BASED LENDING

Smarter capital for businesses that need flexibility, liquidity, and long-term momentum

Ideal for companies seeking to unlock the value of their assets—like receivables, inventory, or equipment—an asset-based line of credit delivers scalable working capital to power daily operations, fuel growth, and strengthen financial stability.

Gain Predictable Cash Flow

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

Fewer Covenants

Enjoy greater flexibility with fewer financial restrictions compared to traditional loans. Management & compliance is substantially simpler.

Fast Access to Working Capital

Quickly convert your businesses receivables, inventory, or equipment into usable funds to fuel growth or power daily operations.

Financing with Flexibility

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

Scales with Your Business

Credit availability grows as your assets grow, supporting your business expansion without refinancing or equity loss.

Preserve Equity

Asset-based finance allows you to access the capital you need without giving up ownership or diluting your stake in the business.

DIVE DEEPER

HOW IT WORKS

Turning your assets into immediate working capital

1

Unlock value from your existing assets

Partner with eCapital to leverage your accounts receivable, inventory, or equipment as collateral. Your eligible assets become the foundation for a revolving line of credit—no need to take on traditional debt.
2

Access capital when you need it

Draw funds on demand to manage cash flow, invest in growth, or cover operational expenses. Your credit availability adjusts with the value of your assets, offering a flexible and scalable funding solution.
3

Repay as receivables are collected

As your customers pay their invoices or your assets convert to cash, the line replenishes. This ongoing structure ensures you have consistent access to working capital while keeping control of your business.
Available funds summary
Available
Total
$710,015.85
$1,200,000

USE CASES

Financing that solves real challenges across industries, growth stages, and cash flow needs

Growing and managing seasonal demands with the flexibility of ABL

OVERVIEW

A wildly-popular Fragrance Brand needed additional working capital to navigate seasonality and prepare for production & distribution acceleration.

CHALLENGE

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.

SOLUTION

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

Powering a manufacturing production surge with a flexible ABL facility

Candle Manufacturer
OVERVIEW

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.

PROBLEM

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.

SOLUTION

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

Driving manufacturing innovation and efficiency with ABL financing

Irrigation Manufacturing
OVERVIEW

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.

PROBLEM

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.

SOLUTION

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.
Read the full use case

Saving a freight brokerage from crisis with fast ABL financing

200 Fleet Operation
OVERVIEW

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.

PROBLEM

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.

SOLUTION

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

ABOUT US

Our mission is to become your long-term financing partner

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.

Fast facts
19
YEARS FUNDING BUSINESS SUCCESS
42
CLIENTS FINANCED
VIEW OUR LATEST PARTNERSHIPS

LATEST TRANSACTIONS

Have a look at some clients we’ve helped in our latest transactions

SEE MORE TRANSACTIONS
$35,000,000

$35MM Asset-based Lending Facility to Support Growth for Leading Commercial Printer

eCapital provided a $35 million asset-based lending (ABL) facility to a Colorado-based company specializing in large-format digital printing that serv. . .
ASSET-BASED-LENDING
$6,000,000

eCapital Delivers $6MM Facility to Fuel Growth and Stability for Illinois SNFs

eCapital structured a $6MM line of credit to help six Illinois-based SNFs navigate the CHOW process and meet ongoing working capital needs. The operat. . .
ASSET-BASED-LENDING
$6,000,000

$6MM Line of Credit Supports Transition for SNFs

Six skilled nursing facilities in Illinois received a $6MM facility from eCapital to strengthen working capital and facilitate a successful CHOW. This. . .
ASSET-BASED-LENDING

LETS TALK

See if an asset-based lending is right for your business.

"*" indicates required fields

Opt In
By opting-in and submitting this form you consent to receive marketing email and text messages (e.g. promotions, product information, industry insights, etc.) from eCapital. See our Privacy Policy for further information.
This field is for validation purposes and should be left unchanged.

Frequently asked questions
about asset-based financing

What is an asset-based line of credit?

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.

How is an asset-based line of credit different from a traditional loan?

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.

What types of assets can be used to secure an asset-based line?

Typical collateral includes accounts receivable, inventory, machinery, equipment, and sometimes real estate, depending on the lender’s requirements and your business profile.

Who can benefit most from an asset-based line of credit?

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.

How is the availability under an ABL determined over time?

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.

Will my customers know that I have an asset-based line of credit?

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.

What are alternative terms for an asset-based line of credit?

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.

Ask an Expert

We’ve got a team of financing experts available to answer any questions you may have about ABL.
GET STARTED TODAY

Looking to learn more about an asset-based lending?

Read our article Navigating the Waters of Asset-Based Lines of Credit: A Strategic Guide for Growth

Learn more about asset-based financing

The Difference Between Asset-based Lending (ABL) and Asset-based Financing (ABF)

The terms "asset-based lending (ABL)" and "asset-based financing (ABF)" are often used interchangeably in the financial indus. . .
Read More

A Comprehensive Guide to Asset-Based Financing (ABF)

In the wake of the Global Financial Crisis, a transformative financial solution has been quietly reshaping the landscape for . . .
Read More

Your Comprehensive Guide to Asset-Based Lending

Asset-based lending is a dynamic and essential component of modern finance, offering businesses an alternative pathway to sec. . .
Read More