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)

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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.

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Why Choose Asset-Based Lending?

Access large funding lines without equity dilution
Leverage your balance sheet for growth, M&A, or restructuring
Scale with operations as your asset base expands
Blend multiple asset classes into one tailored facility
Often lower cost than unsecured lending
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Why Choose Venture Debt?

Pay suppliers faster without upfront outlay
Scale orders without cashflow strain
Tap early payment discounts
Fund cross-border trade in multiple currencies
Smooth seasonal or bulk order cycles
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Is it right for me?

Best when you:
Operate in a capital-intensive sector (e.g. manufacturing, wholesale, logistics)
Hold significant value in receivables, inventory, or property
Need a scalable, long-term working capital facility
Think twice if:
Are early-stage or asset-light
Don’t have reliable reporting or clear financials

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

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How long does setup take?

Typically 2 to 4 weeks depending on complexity and lender

Is ABL more expensive than a loan?

Not usually. For asset-rich businesses, it can be more cost-effective

Can I combine different assets?

Yes. Facilities often include receivables, stock, and machinery

Will I need a field audit?

Possibly. Larger deals often require external valuation and due diligence

What documents are required?

Recent accounts, aged debtor and creditor reports, stock lists, and bank statements

Ready to Unlock Working Capital from Your Assets?

Find Your Funding