American Financial SourceBUSINESS LENDING

Asset-Based Lending

Turn Business Assets Into Working Capital

Asset-based lending may allow businesses to leverage receivables, inventory, equipment, or other eligible assets to access capital.

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Overview

Asset-based lending (ABL) provides a credit facility secured by eligible business assets. ABL is commonly used by growing or asset-rich businesses that need working capital tied to the value of their receivables, inventory, or equipment.

Typical amounts

Typically $500,000 to $25,000,000+ depending on assets

Speed

Underwriting typically takes several weeks

Terms

Revolving facilities with ongoing reporting

Best For

Asset-rich businesses, manufacturers, distributors, and growing operations.

Common Use Cases

  • Working capital scaling
  • Inventory financing
  • Receivables financing
  • Acquisitions and recapitalizations
  • Turnaround and growth financing

Potential Benefits

  • Capacity scales with eligible assets
  • Can support growth that cash flow alone won't
  • Useful for asset-heavy businesses

Things to Consider

  • Field exams or asset audits may be required
  • Ongoing reporting requirements
  • Eligibility advance rates vary by asset class

How the Process Works

  1. 1Submit a secure application with basic business details
  2. 2American Financial Source reviews your profile and identifies eligible products
  3. 3Connect with a funding specialist to discuss the right structure
  4. 4Provide any final documentation and complete underwriting
  5. 5Funds are disbursed once the offer is accepted and finalized

Required Documents

  • Business application
  • A/R aging and customer detail
  • Inventory reports
  • Financial statements
  • Tax returns

Frequently Asked Questions

Related Funding Options

Enterprise Financing

Enterprise Financing

American Financial Source supports larger financing needs for established businesses, multi-location operators, real estate investors, and enterprise-level growth initiatives.

Best for: Mid-market and enterprise businesses, multi-location operators, real estate investors, and acquirers

Learn more about Enterprise Financing Apply Now

Apply

Apply for Asset-Based Lending

Skip the long forms. Open our secure DocuSign application and a funding specialist will follow up within one business day. No cost, no obligation, and inquiring does not affect your credit.

  • Secure DocuSign envelope — confidential submission
  • Most applications take less than 10 minutes
  • Response from a specialist within one business day
Apply with DocuSignCall (516) 373-7622

Prefer to talk first? A specialist can walk through options before anything is submitted.

Ready to Find the Right Funding Option?

Start your application today and let American Financial Source help you explore funding options built around your business goals.

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