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Asset-Based Lending
Unlock Capital Tied Up in Your Business
Sometimes the growth capital you need is already sitting in your balance sheet. Asset-Based Lending (ABL) lets you release working capital from high-value assets like receivables, stock, machinery, or property so you can scale without selling equity or waiting on slow cash flow.
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Quick Snapshot
Borrowing Range
£250,000 – £20,000,000+
Term
6 – 36 months (often revolving)
Typical Rate
7% – 13% per annum
Security
Charged assets (e.g. receivables, stock, property)
What Is Asset-Based Lending?
Asset-Based Lending allows businesses to borrow against the value of existing assets. These may include:
- Accounts receivable
- Inventory
- Equipment and machinery
- Commercial property
As your asset base grows, so can your facility. This makes ABL a flexible, scalable way to fund operations or growth.
Why Choose Asset-Based Lending?
Why Choose Venture Debt?
Is Asset-Based Lending the Right Fit for Your Business?
How It Works
Assets are valued and approved by the lender
A borrowing base is set, typically 70 to 90 percent of eligible assets
You draw down funds and repay as cash cycles back in
Freqently asked questions
Typically 2 to 4 weeks depending on complexity and lender
Not usually. For asset-rich businesses, it can be more cost-effective
Yes. Facilities often include receivables, stock, and machinery
Possibly. Larger deals often require external valuation and due diligence
Recent accounts, aged debtor and creditor reports, stock lists, and bank statements
Ready to Unlock Working Capital from Your Assets?
Find Your Funding