Collateral-based lending secured by receivables, inventory, and equipment.
Asset-Based Lending (ABL) is a collateral-driven financing solution where borrowing capacity is determined by the quality, liquidity, and performance of underlying assets rather than traditional cash-flow metrics alone. Facilities are typically structured as revolving lines of credit with availability tied to a borrowing base that includes eligible accounts receivable, inventory, and, in some cases, equipment.
ABL is commonly used by asset-intensive businesses, companies experiencing rapid growth, or businesses in transition where cash flow may lag revenue. Advance rates, concentration limits, reserves, and eligibility criteria are tailored based on asset quality, customer diversification, and internal reporting controls.
At Bizi Connect, we focus on ABL facilities that align with operating realities — balancing advance rates, reporting requirements, and covenant structures so liquidity supports growth without creating operational friction. Properly structured ABL can serve as a long-term financing solution rather than a short-term bridge.
Key Benefits of Asset-Based Lending
Collateral-Driven Access to Capital
Financing is based on the value and quality of receivables, inventory, and equipment rather than profitability alone.
Scales With Business Growth
As receivables and inventory grow, borrowing availability can increase alongside the business.
Improves Working Capital Efficiency
Unlocks liquidity tied up in operating assets without diluting ownership or adding restrictive cash-flow covenants.
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info@bizi.inc
(833) 740-Bizi