ABL is a private business lender. We release cash against an asset you own, whether it belongs to the business, a director or a third party, as long as it's owned outright or mostly paid off and we can secure against it. Indicative terms within 2 hours, and we release funding once the asset is secured, typically 24 to 48 hours from enquiry.
Loans from $20,000 to $1 million, typically 1 to 3 months and extendable to 9. Exit any time after month one with no penalty, and pay only for the days you use.
A private business lender is a non-bank funder that lends directly from its own capital, without the credit committees and approval queues of traditional lenders. ABL lends against an asset you already own, so the decision rests on the asset and the situation in front of us.
A private business lender, sometimes called a private commercial lender or private finance lender, lends from its own capital instead of deposit-funded banking channels. That is why it can move quickly and lend in situations a bank can't or won't.
ABL doesn't replace your bank. We sit in the space between needing an answer today and needing to buy time. A supplier wants payment by Friday, the ATO wants money on Tuesday, or a deal closes next week, and a traditional approval can't always land in time. Common triggers include tax debt, a bridge funding gap or an emergency funding need. Indicative terms come within 2 hours, and we release funding once the asset is secured, typically 24 to 48 hours from enquiry.
We lend against vehicles, machinery, equipment, inventory, art, gold or any other asset of sufficient value that we can secure against. It can be owned by the business, a director or a third party, as long as it's owned outright or mostly paid off. See eligible assets or read how asset-secured commercial finance works. Loans run from $20,000 to $1 million, typically 1 to 3 months and extendable to 9. Exit any time after month one with no penalty, and you pay only for the days you use. A free desktop valuation shows what your asset could release, with no obligation.
This isn't long-term debt. It's short-term, asset-secured finance for contingency and the unexpected. Solve the problem, repay, and get the asset back. Not sure you need a backup? Read why every business needs a plan B.
Four scenarios where a private lender does what a traditional loan can't.
Credit, financials, time in trade, industry exposure. There are a hundred reasons banks decline. We assess the asset, not the application.
An approval may be coming, but not before the deadline. The deal closes Friday, tax is overdue or wages are due. We release funding once the asset is secured, typically 24 to 48 hours from enquiry.
You need a bridge, not a 5-year facility. Solve the problem, repay and get the asset back.
Traditional lenders want a property guarantee. You're not putting your home on the line. We secure against the asset, not your house.
Some private lenders take property security and call themselves caveat lenders. Some assess cash flow and trade history like a traditional lender (see cash flow lending). Others fund the purchase of equipment through asset finance. ABL is different. We lend against an asset you already own, so the decision rests on the asset. That's the model, and it's why we can move quickly.
The Australian commercial finance landscape has more options than ever. Here's how the main paths compare. ABL doesn't replace a bank. It suits the moment you need an answer today and need to buy time.
| Bank loan | Unsecured non-bank | Private asset lender (ABL) | |
|---|---|---|---|
| Security required | Property, usually | None (priced for risk) | An asset you own |
| Credit check | Yes, full | Yes | No |
| Financials needed | 2 years minimum | Bank statements and BAS | None |
| Enquiry to funds | Weeks | 1 to 5 days | Typically 24 to 48 hours once the asset is secured |
| Loan amount | $100K to $50M+ | $10K to $500K | $20K to $1M |
| Term | 3 to 30 years | 6 to 36 months | Typically 1 to 3 months, extendable to 9 |
| Cost | Lowest rates | Higher rates, priced for unsecured risk | Priced for speed. You pay only for the days you use |
| Best for | Strong financials, time on your side | Trading history, no asset | Asset-rich, time-critical |
For deeper comparisons, see our guides on asset-based lending vs bank lending, asset-based lending vs cash flow lending, asset-based lending vs caveat loans and asset-based lending vs asset finance.
Five steps from enquiry to funds in your account. Typically 24 to 48 hours from enquiry, once the asset is secured.
Truck, machinery, equipment, stock, art, gold. A free desktop valuation shows what it could release.
Issued within 2 hours. Costs upfront, no surprises.
Track It keeps a work asset in use with tracking fitted. Park It suits assets you can spare, at our best rate.
We release funding once the asset is secured.
Exit any time after month one. Repay early, get the asset back.
We work with brokers and advisors across Australia.
Indicative terms within 2 hours.
Prefer not to use the form? Email us at contact@assetbasedlending.com.au or call 1300 225 101.
The questions we get most about private business lending. Call us if yours isn't here.
If a bank can't move in time, call us. We can talk you through it in a short phone call, with no commitment and no obligation. A free desktop valuation shows what your asset could release.
Page last updated 12 October 2026. ABL provides short-term secured commercial finance.
