Asset Based

Lending

Secure substantial financing by leveraging your company’s assets—inventory, equipment, real estate, and receivables.

$100,000 - $20M+

Funding Range

Funded in 7-21 days

Fast Funding

Premium Financing

Asset Based Lending Overview

Asset Based Lending (ABL) is a flexible financing solution that allows businesses to borrow against the value of their assets. Unlike traditional loans that focus primarily on credit scores and cash flow, ABL uses your tangible business assets as collateral. This makes it ideal for companies with significant inventory, equipment, real estate, or accounts receivable. ABL provides larger loan amounts, longer terms, and can support rapid growth, acquisitions, turnarounds, or seasonal needs.

💰 AMOUNT

$100,000 - $20M+

⏱️ SPEED

Funded in 7-21 days

📊 RATE

Prime + 2-5% (4%-8% typical)

📝 TERMS

1-5 years (revolving lines available)

What Do You Need to Qualify?

Qualifying is straightforward with our flexible criteria designed for your business.

Minimum Credit Score
620+ preferred.
2+ years with substantial assets.
$100,000+ with strong asset base
2 (based on bank statements).
Value and quality of collateral assets, asset liquidity, industry type
Financial statements, asset appraisals, accounts receivable aging, inventory reports, equipment list, tax returns (2 years)

Why Use Black Tie Funding for Asset Based Lending

We stand out by offering business-focused solutions with minimal paperwork, competitive rates, and transparent terms.

Large Loan Amounts
Access $100K to $20M+ based on asset value.
Approval based on collateral, not just credit history.
Revolving lines of credit or term loans available.
Fund expansion, acquisitions, or seasonal inventory.
1-5 year terms with competitive rates.
Leverage inventory, equipment, real estate, and receivables simultaneously.

Explore Similar Funding Solutions

Equipment Financing

Financing specifically for equipment purchases – $10,000 to $1M

Commercial Real Estate

Loans secured by commercial property – $100,000 to $5M

Business Line of Credit

Flexible revolving credit line – $10,000 to $500,000

What Our Clients Say

Frequently Asked Questions

What types of assets can I use as collateral?
Accounts receivable, inventory, equipment, machinery, real estate, and sometimes intellectual property. The lender will appraise each asset type to determine borrowing value.
Typically 70-90% of accounts receivable, 50-80% of inventory, 70-80% of equipment, and 70-85% of real estate, depending on asset quality and liquidity.
ABL can be better for asset-rich companies with inconsistent cash flow or lower credit scores. It provides larger amounts and more flexibility, though rates may be slightly higher than prime bank loans.
As with any secured loan, the lender can seize and liquidate the collateral assets to recover their funds. That’s why proper cash flow planning is essential.

Ready to Grow Your Business?

Apply now for fast, flexible funding—backed by our nationwide network and business expertise.

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Asset Based Lending

Secured lending against business assets
Amount Range
$50,000–$5M
Funding Speed
3-10 days
Term
6-60 months
Rate
8-25% APR
Min Credit Score
600+
Time in Business
1+ year
Min Monthly Revenue
$20K/month
Max Negative Days
3 per month
Full Transparency
What’s Involved: Simple application process with minimal documentation required.
True Costs: All fees are disclosed upfront with no hidden charges or surprises.
Payment Schedule: Clear payment terms with flexible options to match your cash flow.