For business owners

We lend against assets you already own.

Short-term funding for asset-rich, cash-poor businesses. Same-day settlement once the asset is secured. No credit checks, no financials, asset back when you're done.

When the bank says no and time is running out, we get on the phone.

Asset Based Lending for business owners, agricultural equipment owner
2 hrs
Indicative term sheet
Same-day
SettlementFunding released once asset is secured
$20K–$1M
Funding range
Up to 70%
Of asset value
When you call us in

Sound familiar?

The four situations we see every week. If any of these describe what you're dealing with, we can help.

01

Tax debt. ATO pressure.

You need to clear it now. Not negotiate a payment plan that drags on for years while the ATO circles.

02

Cash gap between jobs.

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

03

Opportunity that won't wait.

A deal, stock, equipment that closes this week. You need cash now, not a three-month bank approval.

04

Buying time to restructure.

You're sorting things out. You just need breathing room without adding more long-term debt.

Not another business loan

Different by design.

This is short-term funding secured by assets you already own. You solve the problem, repay, get the asset back, and move on. No long-term debt, no committees, no three-week wait.

No credit checks
No financials required
No property required
1 to 9 months, then it's done
Repay early, asset back
4 in 5Australian SMEs
You're not alone

Hit cash flow pressure this year.

Four out of five Australian small businesses faced cash flow pressure in the past 12 months. You're not the exception. ABL was built for exactly this situation, and we settle most deals inside 48 hours.

Call 1300 225 101
Simple Process

Asset secured. Cash out. Asset back.

Five steps from enquiry to funds in your account. Most deals settle inside 48 hours.

Step 01

Identify your asset

Truck, machinery, equipment, stock. We'll value it the same day.

Step 02

Indicative term sheet

Issued within 2 hours. Costs upfront, no surprises.

Step 03

We secure it

Stored with us or kept in service with GPS tracking fitted.

Step 04

Cash lands

Funding released the same day once the asset is secured.

Step 05

Repay, asset back

Exit anytime after month 1. Repay early, get the asset back.

Any asset class

"I don't have any assets..."

You sure? We lend against more than you'd think. Business-owned or personally-owned, both work. Owned outright, or mostly. Minimum $30K value, up to 70% advanced.

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

If you own it (outright or mostly) and we can value it, we can lend against it.

Get started

Tell us about your situation.

We'll get back to you the same day.

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

Common questions

What business owners ask us.

The questions we get most from business owners. Call us if yours isn't here.

Will I lose my asset?

Only if the loan isn't repaid. Most clients use the 1 to 9 month term to refinance, restructure, or sell the asset in a controlled way rather than under pressure. Our goal is to buy you time and help you succeed, not take your equipment.

What assets can I borrow against?

Cars, trucks, machinery, equipment, inventory, boats, aircraft, fine art, and gold bullion. Anything unencumbered, clearly owned, and able to be stored or tracked. Minimum $30K value.

How quickly can I get funded?

Typically 24 to 48 hours once the asset is secured. Our record is 6 hours. The timeline depends on how fast you can move and how quickly we can verify the asset.

Do I need good credit or property?

No. We don't check credit scores and we don't require property. Funding is based on the value of your asset, not your credit history.

What happens if I can't repay?

We work with you. If repayment isn't possible, we sell the asset to clear the loan and any surplus comes back to you. We're not in the business of taking equipment, we're in the business of getting repaid.

Is this a last resort?

Not necessarily. Some businesses use ABL strategically to bridge a gap, grab an opportunity, or buy time to refinance properly. It's a tool, not a hail mary. But yes, it can also give a business a last fighting chance.
Buy yourself more time

Your assets can work for you.

Get cash now, solve the problem, move on. We'll talk you through it on the phone in under ten minutes.