ASSET-BASED LENDING
UNLOCK THE POWER OF YOUR ASSETS
Custom financial solutions to help businesses achieve their goals.
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 asset-based lending solutions with 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.
ADVANCE RATES ON VARIOUS COLLATERAL
We specialize in unique asset-based lines of credit and provide working capital by leveraging accounts receivable, inventory assets, machinery & equipment, real-estate and even intellectual property.
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
BENEFITS OF OUR ASSET-BASED LENDING PRODUCTS
Gain Financial Stability & Predictable Cash Flow
We help stabilize operations for companies that are growing rapidly, have tight cash flows, or have seasonal revenues.
Fewer Covenants
Our asset-based lending options have fewer covenants than conventional lines of credit. Managing the line and staying in compliance is substantially simpler.
Fast Access to Cash
Asset-based lending gives you quick access to financing when required – Tap into your assets to generate the cash
Flexible Funding
As an asset-based lender we customize solutions and contract terms that match the requirements of your business.
Improve Your Cash Flow
Flexible financing to businesses that are experiencing accelerated growth.
Works for Any Stage of the Business Cycle
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 $2M and $35M
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 a company that specializes in asset-based lending, 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.
GROW YOUR INVENTORY
EXPAND TO NEW MARKETS
LAUNCH A NEW PRODUCT LINE
PAY SUPPLIERS
FREQUENTLY ASKED QUESTIONS
What is asset-based lending (ABL)?
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.
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 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.
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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See what we can do for your business.