Asset-based lending is any kind of lending secured by an asset. This means, if the loan is not repaid, the asset is taken. In this sense, a mortgage is an example of an asset-based loan. More commonly however, the phrase is used to describe lending to business and large corporations using assets not normally used in other loans. Typically, these loans are tied to inventory, accounts receivable, machinery and equipment. Asset-based lending in this more specific sense is possible only in certain countries whose legal systems allow borrowers to pledge such assets to lenders as collateral for loans (through the creation of enforceable security interests). 

1. Up to 90% of eligible invoices, including foreign A/R

2. Up to 85% of net orderly liquidation of Inventory value

3. up to 85% of net orderly liquidation of machinery and equipment value

4. up to 75% of real estate market value

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Or call me at +1-651-212-5001 from the USA or

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Funds are advanced against any of these company's assets. 

  • ​Business trading with other businesses
  • Company with at least two years in business
  • Company that is unable to obtain traditional bank financing
  • Fast growing business where a bank loan is not the best solution
  • Business needing financing between $1M and $10M

asset-Based Financing benefits

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how does  asset-based Financing work?


  • Finance Growth
  • Purchase new equipment and materials
  • Fund acquisitions
  • Prepare for seasonal demands
  • Take advantage of supplier discounts
  • Finance turnaround situations

asset-Based financing

who use asset-based financing?

Asset-based lending is usually done when the normal routes of raising funds is not possible, such as the capital markets (selling bonds to investors) and normal unsecured or mortgage secured bank. This is often because the company has exhausted other capital raising options or needs more immediate capital for project financing needs (such as inventory purchases, mergers, acquisitions and debt purchasing). Asset based loans are also usually accompanied by lower interest rates, as in the event of a default the lender can recoup their investment by seizing and liquidating the assets tied to the loan.

Many financial services companies now use asset-based lending package of structured and leveraged financial services. Many banks, both national investment banks (e.g. Citi, J.P. Morgan, Wells Fargo, Goldman Sachs, Morgan Stanley, et al.) and regional banks, offer these services to corporate clients.

Apart from large enterprises, many individuals and small business owners also resort to asset based lending services for raising short term finances. Service providers like Unbolted provide short term loans against luxury assets.  This includes a wide range of items like vintage cars, luxury watches, wine collections and other assets of value. 

Asset-based lending, once considered a last-resort finance option, has become a popular choice for companies and individuals that don't have the credit ratings, track record or patience to pursue more traditional capital sources. 

asset-Based Financing uSAge