Asset-Based Lending (ABL) is a fast and flexible way for businesses to turn existing assets into working capital – without needing financials, credit checks or property as security.
Instead of borrowing based on profit and loss statements or home equity, ABL gives you a short-term cash advance based on the value of a physical business asset – such as a vehicle, piece of machinery, or inventory. That asset is either stored securely, fitted with a discreet tracker, or prepared for sale (depending on the loan structure).
It’s fast, straightforward, and built for urgent situations – like covering wages, bridging shortfalls, or buying time to refinance. ABL exists for one purpose: to help businesses unlock capital when they need it most.
Traditional business loans are slow, complex and heavily document-based – they usually require financials, property security and credit checks. They also add long-term debt to your balance sheet.
Asset-Based Lending is different. It’s designed for speed and flexibility. You get a short-term cash advance based purely on the value of a physical asset – like a vehicle, machine or inventory – with no need for property security, credit checks or trading history.
Funds can be approved and disbursed in as little as 24 hours – without locking you into long-term repayments or exposing your home.
It depends on the product:
Asset Based Advance
• 4% flat interest for Month 1
• Daily interest after that
• Repay anytime after Month 1 – or the asset is sold and any surplus is returned
Tracked Asset Advance
• 6% flat interest for Month 1
• Daily interest after that
• Repay anytime after Month 1 – or the asset is sold and any surplus is returned
Managed Sale Advance
• No repayments required
• Advance and fees are deducted from the sale
• Any surplus is returned to you
Very fast. Indicative terms can be issued within 2 hours. Most clients receive funds within 6-24 hours of approval – once the asset is secured or tracking is in place.
We fund against a wide range of physical business assets, including:
Assets must be unencumbered and able to be stored, tracked or sold.
It depends on the facility:
We offer loans from $20K to $1M – depending on the asset’s value. Up to 70% of the assessed forced sale value can typically be advanced.
Asset Based Advance
Tracked Asset Advance
Managed Sale Advance
* Most fees can be included in the advance
Terms range from 1 to 6 months. You can repay anytime after Month 1. If you can’t repay, the asset may be sold – and any surplus (after fees) is returned. There are no long-term contracts or rollover traps.
You qualify if:
Assets can be owned by the business, a director or a related party – as long as ownership is documented.
Only with a Tracked Asset Advance. That option allows the asset to stay in use with discreet GPS tracking. Other products require handover or secure storage.
Apply online or talk to our team. All we need are basic asset details – such as photos, serial numbers and business info – and we’ll handle the rest.
Get in touch with ABL
Have more questions? Our team is here to help you understand how ABL can work for your business.
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