Asset Based Lending for Accountants & Advisors | ABL
For Accountants & Advisors

Keep good clients out of bad situations.

When a client needs an urgent cash injection and the bank can’t help, ABL lends against assets they already own. Short-term funding without taking out new credit, from 1 to 9 months.

Accountant advising business client
Up to 70%
LVR
$20K–$1M
Funding range
Same-day
Settlement
2.2%
Commission
No clawbacks. Ever.
1–9 months
Term length
The situations

Know these clients?

These are the deals that fall through the cracks at mainstream lenders. If your client has an asset, ABL can move while the bank’s still reviewing.

ATO debt. DPN incoming.

They need to clear it now, not negotiate a payment plan that drags on for years while the ATO circles.

Cash gap between jobs.

Work’s coming. Cash isn’t here yet. They need to cover wages, suppliers, and rent until it lands.

Opportunity that won’t wait.

A deal, stock, or equipment that closes this week. They need cash within days, not a three-month approval.

Restructure needs breathing room.

They’re sorting things out. They just need time, without adding more long-term debt to untangle.

Advisors call us when their client is out of time and out of options. The asset they already own becomes the answer. Your client stays your client. Steve Heavey, Managing Director, Asset Based Lending
Advisor with client
Your client. Your relationship.

We don’t compete with you.

No cross-selling. No follow-ups. No going around you. We solve one problem, then we’re gone. Your client stays your client.

You’ve been with them for years. This is the advice that keeps you there.

Why this works

Asset secured. Cash out. Asset back.

Short-term funding without taking out new credit. Client pays for the time they need, then moves on.

  • Lends against assets your client already owns
  • No new credit lines or long-term debt added
  • 1 to 9 months, repay any time after month one
  • No financials, no credit checks
  • No property, no director guarantees
  • Your client’s home stays out of it
  • Repay early, asset back, off the books
Advisor reviewing client documents
Testimonials

Trusted by professionals who solve hard problems.

★★★★★

You stuck to the timelines exactly as promised. That rarely happens in this industry.

Dave C
Broker Partner, NSW
★★★★★

Fast and friendly with a simple process that doesn’t take time out of my day. They deliver every time. I’ve been in finance for 30 years and I’m not easy to please.

George G
Finance Broker, VIC
★★★★★

ABL fills a vital gap for clients who are asset-rich but cash-poor. The team truly understands urgency and delivers with professionalism.

Peter W
Commercial Broker, NSW
The advisor with the answer

When others say “nothing we can do,” you’re the one who finds a way.

When you can solve the problem others can’t, you become indispensable. ABL gives you an option when there isn’t one.

Simple process

We handle the deal. You stay close to the client.

From introduction to settlement, most deals close within 24 to 48 hours. You stay informed throughout, without doing the heavy lifting.

Step 01

You introduce us

A call, an email, a warm intro. Whatever works. We take it from there.

Step 02

We assess

Quick conversation with your client. What do they need? What do they own?

Step 03

Valuation & terms

Desktop or onsite valuation. Indicative term sheet within 2 hours.

Step 04

Funds land

Capital in their account. Problem solved. Time to fix the rest properly.

Step 05

Repay, asset back

Repay any time after month one. Off the books. Clean exit.

“But my clients don’t have any assets…”

You sure? Have you asked? We lend against any asset class, not just the obvious stuff.

Vehicles & transport
Yellow goods & earthmoving
Manufacturing & industrial
Agricultural equipment
Marine & aviation
Inventory & stock
Watches & gold
Art, collectibles & memorabilia

Business-owned or personally-owned. Both work.

Any asset class

If it’s unencumbered and we can value it, we can lend against it.

Trucks, machinery, inventory, boats, art, classic cars, company-owned or personally-owned. Your clients have more options than they think.

Advisor reviewing asset details
Three ways to buy time

Match the product to your client’s situation.

The right product depends on whether your client can spare the asset, needs to keep using it, or is ready to release it entirely.

Park It

Asset stored. Capital today.
Asset location
Securely stored with Lloyds
Best for
An asset your client can park for up to 9 months
View Park It →

Track It

Keep using it. Capital today.
Asset location
Stays with client, GPS tracked
Best for
Working assets that can’t come out of service
View Track It →

Sell It

Capital today. Sale closes the loan.
Asset location
Prepared for auction via Lloyds
Best for
A client ready to exit the asset entirely
View Sell It →
Common questions

What advisors ask.

The questions we get most from accountants and advisors seeing ABL for the first time. Call us if yours isn’t here.

When does this make sense vs. traditional finance?

When speed matters. When credit is an issue. When the client doesn’t want long-term debt on the books. When traditional lenders have said no or are taking too long.

What assets can clients borrow against?

Cars, trucks, machinery, equipment, inventory, boats, aircraft, fine art, gold. Anything owned outright, clearly held, and able to be stored or tracked.

How quickly can funds be released?

Indicative terms within 2 hours. Funds release once the asset is secured, typically 24 to 48 hours. Our record is 6 hours. Timeline depends on how fast the client moves.

Will this affect their credit rating or require property?

No credit checks. No property required. Funding is based on the asset, not the client’s credit history.

What happens if the client can’t repay?

We work with them. If needed, we sell the asset. Any surplus goes back to the client. We’re not in the business of taking equipment, we’re in the business of getting repaid.

What’s the cost?

Higher than a bank loan. Lower than the cost of missing payroll, losing a deal, or selling assets in a panic. We provide a full cost breakdown in the indicative term sheet, issued within 2 hours of enquiry.

Do I get paid for referrals?

We can discuss referral arrangements. Most advisors do this because it solves a client problem, not for the commission.
Let’s talk

Have a client situation in mind?

Tell us about it. No commitment. We respond within the hour.

Prefer not to use the form? Email us at co*****@*******************om.au or call 1300 225 101.

ABL helps advisors save relationships

Be the advisor with the answer.

Don’t let timing or eligibility close your client’s options. With ABL, you secure funding against what they already own. And keep the trust intact.