Asset Based Lending

Asset-backed finance provides a powerful way for businesses to unlock the value of their assets and access much-needed capital. This flexible form of financing enables businesses to improve cash flow, invest in growth opportunities, and manage operations more efficiently.

Asset-based lending allows businesses to unlock funds from valuable assets like receivables, inventory, machinery, or property. The loan amount is based on the asset value, with businesses borrowing a percentage of it.

For businesses with turnovers over £5 million, ABL provides flexible, cost-effective working capital to support growth, manage cash flow, or cover operational needs. Loans typically range from £5 million to £50 million, with tailored repayment terms based on the business’s financial situation.

An asset-backed loan can benefit a business in various ways, such as improving cash flow, offering flexible repayment options, and supporting growth.

With asset based lending, businesses can unlock capital tied up in valuable assets, enabling them to scale more quickly. This financing option allows companies to invest in key opportunities and resources for growth without compromising operational efficiency.
While asset-backed finance can benefit any business, it is particularly useful for those looking to finance growth, manage cash flow gaps, or fund operational needs. Many successful businesses have relied on asset-based lending to fuel their growth.

Asset-based lending is mainly suited to larger companies with an annual turnover of over £5m, seeking funding secured against outstanding customer invoices, property, stock, plant or machinery.

The amount you can borrow depends on your business and assets. With asset-based lending, you can borrow up to 85% against unpaid invoices, stock, equipment, and property, or up to 95% for seasonal requirements.

If you’re ready to explore asset-based lending or want to learn how it can support your business growth, our expert team is here to assist you.