ASSET BACKED LENDING
Unlock the power of your assets for strategic, cost-effective capital.
Whether you’re managing inventory, expanding operations, or optimizing cash flow, asset-backed lending provides the working capital and term loans you need—leveraging the value of your business assets.
Financing tailored to the value of your assets.
Asset-backed lending (ABL) is a financing solution that lets your business leverage its tangible and financial assets—like real estate, inventory, equipment, or accounts receivable—to access the capital you need to grow. Unlike traditional loans that rely heavily on credit scores or profit margins, ABL focuses on the value of your business’s hard assets.
This approach provides businesses with flexibility and reliability, offering revolving credit facilities or term loans to address both short-term cash flow needs and long-term growth plans. Asset-backed lending is especially valuable for industries with substantial assets, such as manufacturing, logistics, warehousing, and wholesale.
Whether you need to expand your operations, stabilize your cash flow, or replace an existing credit facility, asset-backed lending allows you to turn your assets into scalable capital—unlocking growth opportunities without putting undue strain on your business.
Your financing partner. Your strategic advantage.
Simple and efficient asset-backed lending designed for your business.
Leverage your business assets for fast, scalable financing. Whether you're optimizing cash flow, expanding operations, or replacing existing credit facilities, our streamlined process ensures you get the capital you need without delays or unnecessary hurdles.
Evaluate assets.
Provide basic details about your business assets, such as inventory, accounts receivable, or equipment. The more valuable your assets, the greater the potential capital available.
Approval secured.
Once qualified, you’ll receive a revolving credit line or term loan based on the value of your collateral. These funds can be used for anything from expanding operations to stabilizing cash flow.
Ongoing flexibility.
As your assets grow or your needs change, your financing can adapt to provide you with continued access to capital.
Are we a fit? Check your eligibility.
See if your business qualifies for asset-backed lending and how we can support your growth with scalable financing options.
$5,000,000+ annual gross sales
Your business should generate annual revenue of at least $5 million to access asset-backed financing solutions.
Strong accounts receivable.
Maintain accounts receivable within a 30/60/90-day aging structure, ideally totaling $2 million or more.
$3,000,000+ in valuable assets
Leverage hard assets like land, inventory, or equipment with a minimum value of $3 million as collateral.
In business for at least two years
Your business must be operational and generating revenue for a minimum of 24 months to qualify.
Benefits of asset-backed lending.
Asset-backed lending lets you leverage your assets to access capital, even during challenging financial periods. By basing financing on the value of your inventory, receivables, or equipment, it offers flexibility that adapts to your needs.
As your assets grow, so does your borrowing power, ensuring you’re always prepared to seize new opportunities. With reduced reliance on personal guarantees, asset-backed lending minimizes risk while providing a cost-effective way to optimize cash flow, replace high-interest loans, or fund growth initiatives.
It’s more than a loan—it’s a strategic tool that supports your business’s growth and stability.
How businesses turn assets into opportunities.
Asset-backed lending is a flexible financing solution that addresses a variety of business needs, from stabilizing cash flow to funding expansion. It empowers businesses to leverage their assets strategically, unlocking capital to fuel growth and achieve their goals:
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Growth capital:
Expand operations, hire new staff, open additional locations, or invest in advanced technology.
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Credit replacement:
Pay off or replace expensive credit facilities with more flexible, asset-backed loans.
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Cash flow optimization:
Ensure you have the working capital to cover payroll, operational expenses, or inventory during high-demand periods.
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Seasonal inventory:
Finance seasonal spikes in inventory or production, ensuring you can meet market demands without strain.
Your questions about asset-backed lending, answered.
Learn how asset-backed lending unlocks capital for businesses with significant assets, helping you secure financing that scales with your growth goals—all while maintaining flexibility and control over your resources.
How can asset-backed lending benefit my business?
Asset-backed lending allows you to leverage your existing assets, such as inventory, equipment, or real estate, to access capital without taking on personal financial risk. This provides your business with a flexible source of funding that adapts to your needs, whether you’re optimizing cash flow, expanding operations, or replacing expensive credit facilities.
What makes asset-backed lending different from traditional loans?
Unlike traditional loans that rely heavily on credit scores or profitability, asset-backed lending focuses on the value of your business assets. This approach enables you to secure financing even if your margins are tight, giving you access to capital based on tangible collateral like accounts receivable or inventory.
What types of businesses are best suited for asset-backed lending?
Asset-backed lending is ideal for businesses in asset-heavy industries such as manufacturing, logistics, warehousing, or wholesale operations. Companies with annual gross sales of $5 million or more and substantial assets like equipment, real estate, or inventory valued at $3 million or more are well-positioned to benefit from this financing solution.
How does the process work?
The process is straightforward and designed to minimize complexity. First, we evaluate the value of your assets, including accounts receivable and inventory. Once approved, you’ll receive a tailored financing solution, such as a revolving credit line or term loan, with flexible terms that grow with your business needs.
How does RelFi ensure a smooth experience?
At RelFi, we handle the entire process from start to finish. Our team of experts evaluates your assets, structures the best financing solution, and provides ongoing support to ensure the funding meets your goals. With our relationship-driven approach, you’ll receive transparent communication and personalized service every step of the way.
What can I use the funding for?
Asset-backed lending is versatile and can be used for a variety of business needs, such as stabilizing cash flow, expanding inventory, upgrading equipment, or opening new locations. It’s a flexible tool designed to help your business thrive and grow without unnecessary financial strain.
Advance your revenue and advance your business.
RelFi gives you the power to act when it matters most, providing the capital you need to capture every opportunity and achieve your business’s greatest success.
Start with Relationship Finance