For Brokers

A fast equity release to buy your clients more time.

A cash-out solution that saves deals. When the mainstream doesn’t fit and the client can’t wait, we release equity from the assets they already own. Call us on 1300 225 101.

Your plan B for commercial clients. Get a free desktop valuation, with no obligation, so you have a plan ready before you need it.

Broker at work
Up to 70%
LVR
$20K–$1M
Loan amounts
24–48 hrs
Typically funded
Once asset secured
2.2%
Commission
No clawbacks. Ever.
The situations

Know these clients?

Settlement's due. Bank's not ready.

You've done the work. The deal's right there. We get them funded while the bank's still "reviewing."

Tax bill. Broken truck. Quiet season.

Short-term problem. Short-term fix. They're not taking on a five-year loan for a three-month cash gap.

Another loan would make things worse.

They don't need more debt on the books. They need their assets to do something useful for once.

They need cash, not a fire sale.

Selling equipment in a panic means selling it cheap. We give them cash now. They keep the asset.

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. The ATO will keep accepting credit cards until 30 June 2027, but clients who rely on the card still need a plan B. See our guide to the ATO credit card changes: dates and options.

Common referrals: ATO tax debt, Director Penalty Notices, emergency funding, bridge funding, equipment purchases and new contract capital. Got a deal in mind? Put an asset forward for a free desktop valuation.

Broker meeting with client
Another way forward

Typical deals take 24 to 48 hours.

Asset secured. Cash out. Asset back. That's the whole model. We release funding once the asset is secured, with indicative terms within 2 hours.

We lend against the value of the assets. That simplifies everything. And gives you a way to get clients through the now while you work out the next steps. A short-term bridge that buys them time and keeps the relationship intact.

“By the time a broker rings us, they’re out of time. Their clients are out of options. The deal looks like collapsing. We look at the asset, send a term sheet within two hours, and release funds once it’s secured.”

Steve Heavey, Managing Director, Asset Based Lending
Why ABL works

The deal your client can't get anywhere else.

ABL is the short-term tool you reach for when the mainstream won't move fast enough and your client needs an answer today.

  • You can say yes when the bank says no
  • No credit check, no approval delays
  • No financials. Nothing to gather, nothing to chase
  • The asset decides, not the business history
  • Your client's home stays out of it
  • In and out in months. Clean deal, clean books
  • Company, director or third-party asset, all accepted
Broker with client
Asset-backed. No claim on the house.
Testimonials

Trusted by brokers who've seen it all.

★★★★★
"

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

If you're not offering ABL,
your competition will be.

We're actively growing our broker network. Same-day accreditation, no ongoing commitments, just another tool in your kit for when you need it.

Simple Process

Five simple steps. As fast as your client needs.

From scenario to settlement, most deals close within 24–48 hours. You submit, we handle everything from valuation to funding, with local valuation and storage at 11 locations nationwide.

Step 01

Submit scenario

Provide details of the asset. We do a desktop valuation.

Step 02

Term sheet

Letter of Offer with all T&Cs and rate within 2 hours.

Step 03

Fees paid

Client pays application and legal fees upfront.

Step 04

Verification

Physical verification or onsite visit.

Step 05

Settlement

Funds transferred. Commission paid at settlement.

Any asset class

If it's owned outright or mostly paid off 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.

Broker on phone reviewing asset

"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.

Three ways to buy time

Three ways to structure the deal.

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. Compare all three on our products page. For how ABL differs from other options, see asset based finance, asset based lending vs asset finance and our private business lender guide.

Park It

Asset stored. Capital today.
Asset location
Securely stored
Best for
An asset your client can park for the term, typically 1 to 3 months and up to 9
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
Best for
A client ready to exit the asset entirely
View Sell It →
Common questions

What brokers ask.

The questions we get most from brokers seeing ABL for the first time. New to the model? Read what is asset based lending. Working with an accountant or advisor? See our page for accountants and advisors. Call us if yours isn't here.

What types of clients is ABL best suited for?

Businesses that are asset-rich and cash-poor, where speed matters more than rate and the mainstream lenders are too slow.

How fast can deals settle?

We release funding once the asset is secured. Indicative terms within 2 hours, and most deals settle within 24–48 hours.

How do brokers get paid?

2.2% commission, paid at settlement. No clawbacks. Ever.

Do brokers need to be accredited?

Yes, but it's fast. Most brokers are approved same day.

What loan amounts and terms does ABL offer?

Loans from $20K to $1M, up to 70% of the asset's value. Terms are typically 1 to 3 months, with up to 9 available. The client can exit any time after month one with no penalty, and after month one only pays for the days they use.

Does my client have to hand over the asset?

Not always. Park It stores the asset with us, Track It leaves it with your client and GPS tracked, and Sell It takes it to auction. Pick the structure that fits their situation.

What assets can I put forward?

Any asset of value we can secure against, such as vehicles and trucks, yellow goods, manufacturing and agricultural equipment, marine and aviation, inventory, watches and gold, art and collectibles. It can be owned by the business, a director or a third party, and should be owned outright or mostly paid off.
Your ABL team

Talk to the people who fund your deals.

Real people, direct lines. Call, email or connect with the team when a client needs an answer fast.

Steve Heavey, Managing Director, Asset Based Lending

Steve Heavey

Managing Director

Jacob Schiavon, Business Development Manager, Asset Based Lending

Jacob Schiavon

Business Development Manager

Brendan Kacev, Head of Origination, Asset Based Lending

Brendan Kacev

Head of Origination

Broker accreditation

Get accredited.

Most brokers are approved same day.

Prefer not to use the form? Email us at contact@assetbasedlending.com.au or call 1300 225 101.

Always be prepared

Know what your clients can access before the pressure hits.

Clients under pressure turn to the broker who already has the answer. Get a free desktop valuation of a client’s assets now, so you know what they can access before a deal stalls or a settlement slips. See why every business needs a plan B.

ABL brokers close more deals

Be the broker with the answer.

When banks say no, you say "give me 24 hours."

Don't let time or eligibility kill deals. With ABL, you secure funding against what your client already owns. And buy time for the next step.