Asset Based Loan in United States
Unlock working capital quickly with customized asset based lending solutions built around your business needs.
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Extract liquidity out of your accounts receivables, inventory, machinery, and equipment
Flexible asset-backed structures to maximize capital draw
Non-dilutive funding
Expert guidance & negotiation to get the best terms
Fast process from qualification to funding
Connect with Team and Secure Your Asset Based Loan in United States
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Who is an Asset Based Loan For?
An asset based loan in United States is ideal for businesses that need to secure financing quickly and can tap into a tangible asset base. While the most common use of funds is for working capital, if structured properly, companies can use an asset based loan for making acquisitions or funding other organic growth.
Typical scenarios include:
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Businesses with Lumpy Cash Flow Patterns
Companies experiencing seasonal fluctuations, revenue cyclicality, lumpy customer payments, rapid growth, or uneven expenses can leverage their receivables, inventory, or equipment to smooth cash flow throughout the year.
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Companies with Valuable Assets but Limited Operating History
Businesses with high levels of accounts receivable, inventory, or equipment but have limited operating history or have yet to turn a profit, can still qualify for an asset based lending loan.
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Businesses Seeking Non-Dilutive Financing
Companies that are looking to raise capital without giving up ownership or equity can use asset based loans to fund operations, expansions, or acquisitions.
Manufacturers, Distributors, and Retailers
Firms with substantial inventory, equipment, or receivables can benefit from asset backed lending to support working capital or growth initiatives
Acquiring Another Company
Companies planning to acquire another business can borrow against the Target’s assets to finance part the purchase price, if the deal is properly structured.
Technology Companies with Recurring Revenue
Companies that provide software, data, and other technology services under a recurring contract can utilize asset based lending and its sister, factoring, to obtain funds based on the magnitude of their highly retentive customer base.
Lending Parameters for Asset Based Loans
Loan Amount
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24 – 36 month term with easy renewal process
Easy to upsize credit facility as asset base grows
Revolving lines of credit for working capital
Term loans for equipment
Eligibility
Usually $1M+ annual revenue; positive EBITDA not a requirement
Loan Amount
Scales with tangible asset value $0 - $100,000,000+
Parameter
Details / Typical Range
Loan Amount
Accounts receivable
Machinery & equipment
Inventory
Other tangible business assets
Collateral value of
Borrowing Base
Availability = eligible assets × advance rate for asset class
Eligible assets may exclude receivables that have aged out, overly concentrated customer accounts, cross-aged accounts, and other adjustments. Slow-moving inventory will also be deemed ineligible.
Updated regularly based on asset values (no less than 1x per month)
Advance Rates
AR: 70 – 90% of eligible AR
Inventory: 50 – 65% of eligible FG & WIP inventory
Equipment: 40 – 60% of appraised value
Use of Funds
Working capital
Acquisitions
General corporate
Security
Senior secured
Criss cross security
Security
SOFR + 300-700
If factoring, 0.75-2% per month
Covenants
Some liquidity measure (i.e. dollar amount, current ratio, or quick ratio)
Typically no higher than 2.5-3.0x senior leverage ratio.
EquipmentOther customary restrictions.: 40 – 60% of appraised value
Principal Amortization
Drawable up to available borrowing base or maximum facility size. Can be repaid at borrower discretion and redrawn at any time.
Time to Funding
Less than 30 days, sometimes as quickly as 15 days
Typical Providers
Banks
Asset based lenders
Commercial financing firms
Equipment financing firms
Process
Gather historical financial performance of borrower, including AR/AP aging detail, inventory schedules, and list of equipment.
Lender assesses eligibility of assets and determines advance rates based on collectability of receivables, salability of inventory, and appraised value of equipment
Advance rates and borrowing formula is determined
Collateral exam is conducted to validate asset values
Types of Asset Based Lending Options
Accrefi offers a range of asset backed lending solutions to meet the diverse needs of your business:
Accounts Receivable Financing
Turn unpaid invoices into immediate cash with accounts receivable loans or factoring solutions. This structure is perfect for businesses looking to improve cash flow, cover operational expenses, or fund short term growth.
Equipment Financing
Secure funding against machinery, vehicles, or equipment. Equipment financing enables companies to invest in essential assets for growth or replacement without draining cash reserves or disrupting operations.
Inventory Financing
Use your inventory as collateral to access working capital. Inventory financing allows businesses to purchase new stock, manage seasonal demand, or expand product lines while keeping cash flow stable. Finished goods, work-in-process, and raw inventory are all eligible, however, haircuts will be applied to the unfinished inventory.
Factoring
Factoring is actually a form of revenue based financing. It results in a similar end effect as accounts receivable financing but is administered differently. In factoring, the borrower sells their receivables before they are paid to the lender at slight discount and the lender gets to collect the face value of the receivable when it is paid. Title to the receivables are actually assigned to the lender whereas in traditional asset based lending solutions, the borrower retains title of the AR and is still responsible for collecting it.
Get Started with Accrefi
Securing an asset based loan in United States is quick and simple. Submit your company information, let our team assess your assets and connect you with the right lenders, and we’ll negotiate the best terms to get your funding fast.
Why Asset Based Financing is Right for Your Business
Businesses across United States increasingly rely on asset based loans because they offer unique advantages for even the smallest businesses:
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Access Capital Much Quicker
Unlike conventional underwriting processes, which involve lengthy approval processes, asset based lending loan leverages the value of your existing assets to provide funding quickly. Underwriting is based on field level exams of asset values without the need for a full data room (i.e. investment presentation, historical financials, quality of earnings, multiyear forecast). With just AR and AP aging details, an inventory schedule, and a few other items, a borrower can obtain a sense of their eligibility and capital availability.
Repayment Decided by Borrower
Most asset based lines are structured as a revolving line of credit. Effectively the line works like a credit card, which can be drawn upon, repaid, and redrawn at the behest of the borrower. This borrowing / repayment cycle can repeated an unlimited times over the term of the revolving line of credit. This flexibility is helpful for businesses with fluctuating capital needs throughout the course of the year as borrowings can be repaid at anytime, relieving the company of unnecessary interest costs.
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Scales With Your Business Growth
Unlike conventional underwriting processes, which involve lengthy approval processes, asset based lending loan leverages the value of your existing assets to provide funding quickly. Underwriting is based on field level exams of asset values without the need for a full data room (i.e. investment presentation, historical financials, quality of earnings, multiyear forecast). With just AR and AP aging details, an inventory schedule, and a few other items, a borrower can obtain a sense of their eligibility and capital availability.
Fund Low Risk Working Capital with Low Cost Financing
When a company undertakes an organic or inorganic growth initiative that is high-risk high-reward, it may need to turn to sources of funding that carry higher interest rates. However, working capital gaps are considered low-risk by lenders and therefore should be addressed with the cheapest forms of capital available, typically asset-based financing.
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Why Choose Accrefi for Your Asset Based Loan in United States
Choosing the right partner for asset based lending can make all the difference. Accrefi stands out for businesses across United States because we combine expertise, transparency, and personalized service to help you secure the capital you need.
Expert Guidance
Our team of former bankers and financing experts guides you from planning to market outreach to lender selection and deal closing, ensuring a smooth and successful process
Huge Network of Lenders
Leverage a network of over 500 lenders to identify the most suitable asset based financing options for your business, giving you more choices and better terms.
Fast, Flexible, and Reliable Funding
With asset backed lending, you get speed and flexibility. Solutions are structured around your asset base, helping you address lumpy revenues and smooth out operational expenses.
Non Dilutive Financing Solutions
Unlike equity financing, our asset based business loans allow you to raise capital without giving up ownership, so you retain full control of your company’s future.
Transparent and Fair Terms
We prioritize honesty and integrity in all transactions, ensuring you understand every detail of your asset based loan and can make confident financial decisions
Frequently Asked Questions
Unlock Your Business Potential Today!
Secure fast, flexible, and non-dilutive asset based financing with Accrefi. Submit your information now and get connected with the right lenders to fund your growth in United States.