Asset-Based Lending Bank & Lender Introductions
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Introductions to Banks and Asset-Based Lenders
Financely helps companies structure asset-based lending facilities and place them with relevant banks, specialty lenders and private credit providers.
The financing is built around assets that can support a borrowing base. These can include accounts receivable, inventory, equipment and other eligible collateral.
Our role extends beyond introducing a borrower to a lender. We analyze the collateral pool and determine how much financing it can support.
We then prepare the credit case and approach capital providers whose underwriting criteria fit the borrower and collateral.
Finance the Assets Already Inside Your Business
Receivables, inventory and equipment can provide a borrowing base for companies that need working capital or growth financing.
Financely structures the collateral package first. We then approach banks and non-bank lenders that actively finance the relevant asset class.
What Financely Does
Financely acts as a structured finance advisor for companies seeking asset-backed working capital and corporate debt.
We start by identifying the assets available to support the facility. We then analyze lender eligibility and advance rates.
The objective is to translate the company's balance sheet into a financeable collateral structure.
Analyze
Review receivables, inventory, equipment and other available assets.
Structure
Build the proposed borrowing base and facility mechanics.
Underwrite
Review cash flow, leverage and repayment capacity alongside collateral.
Package
Prepare the collateral and credit information required by lenders.
Place
Approach banks, ABL lenders and private credit providers.
Execute
Coordinate lender diligence and financing negotiations through closing.
Who We Serve
Asset-based lending works particularly well for companies with meaningful working capital assets.
Financely focuses on operating businesses with identifiable collateral and a defined financing requirement.
Manufacturers
Businesses carrying raw materials, work in progress and finished inventory.
Distributors
Companies with recurring inventory purchases and commercial receivables.
Commodity Traders
Physical traders with inventory and receivables that can support a borrowing base.
Importers
Companies financing inventory after arrival and before customer collection.
Exporters
Businesses financing receivables generated through completed export sales.
Growth Companies
Established businesses whose working capital requirement grows with revenue.
Assets That Can Support a Facility
| Asset Class | Typical Credit Analysis | Potential Facility |
|---|---|---|
| Accounts Receivable | Debtor quality, aging, concentration and dilution. | Receivables facility or revolving ABL line. |
| Inventory | Liquidity, location, ownership and resale value. | Inventory-backed facility or borrowing base. |
| Machinery and Equipment | Appraised value, useful life and secondary-market liquidity. | Equipment-backed term loan. |
| Combined Working Capital Assets | Eligible receivables and inventory after reserves. | Revolving borrowing-base facility. |
| Specialty Assets | Asset-specific valuation and enforceability. | Structured private credit facility. |
Accounts Receivable Financing
Accounts receivable can be one of the strongest assets available to a growing company.
Lenders assess the quality of the debtor and payment history. They also analyze invoice aging and customer concentration.
Eligible receivables can then form part of a revolving borrowing base.
Financely can structure receivables lending for businesses with qualifying commercial debtors.
Inventory Financing
Inventory can provide additional borrowing capacity where a lender is comfortable with the underlying goods.
The lender assesses ownership and location. It also considers liquidation value and the ability to control the collateral.
Highly liquid inventory can receive different advance treatment from specialized goods with a limited resale market.
Financely supports inventory finance and borrowing-base facilities for qualifying businesses.
Borrowing Base Facilities
A borrowing base converts eligible assets into revolving credit availability.
The lender establishes advance rates for different asset classes. Ineligible items and reserves are then deducted from the collateral pool.
Availability changes as receivables are collected and inventory turns.
This structure can support companies whose working capital requirement rises and falls with operating activity.
| Borrowing Base Component | Illustrative Amount |
|---|---|
| Eligible Receivables | USD 10,000,000 |
| Illustrative Receivables Advance | USD 8,000,000 |
| Eligible Inventory | USD 6,000,000 |
| Illustrative Inventory Advance | USD 3,000,000 |
| Gross Borrowing Base | USD 11,000,000 |
This example is illustrative. Actual advance rates and reserves are determined by the lender during underwriting.
We Introduce Companies to Banks
Banks can provide competitively priced asset-based facilities for companies that fit conventional credit requirements.
A bank can structure a revolving line against eligible receivables and inventory. Larger facilities can also include equipment or other collateral.
Bank selection depends on borrower size and industry. Geography and collateral type also affect appetite.
We Introduce Companies to Non-Bank ABL Lenders
Non-bank lenders can provide more flexibility around leverage and business profile.
These lenders can be particularly relevant for acquisitions and turnarounds. They can also support companies experiencing rapid growth.
Our target capital universe can include:
- Independent ABL lenders
- Private credit funds
- Specialty finance companies
- Receivables finance providers
- Inventory lenders
- Equipment finance companies
- Structured credit funds
- Family office credit strategies
Private Credit for Asset-Based Transactions
Private credit can provide an alternative when conventional banking parameters are too restrictive.
The lender can rely heavily on collateral while still evaluating business cash flow.
Private structures can also combine asset-based advances with term debt.
Financely works with qualifying companies seeking private credit financing where a non-bank solution is appropriate.
Asset-Based Lending for Commodity Traders
Physical commodity traders can accumulate significant inventory and receivables during the trading cycle.
Those assets can support revolving credit where the lender has sufficient control over collateral.
The financing structure can incorporate warehouse controls and eligible inventory tests. Buyer receivables can also contribute to borrowing capacity.
Financely can arrange borrowing-base revolving facilities for commodity traders where the business supports institutional underwriting.
Asset-Based Lending for Manufacturers
Manufacturers can have valuable assets while experiencing significant working capital pressure.
Cash is tied up when raw materials are purchased. Additional capital can remain tied up through production and customer payment.
ABL can finance portions of this cycle against inventory and receivables.
Equipment can also support additional term financing where appropriate.
Asset-Based Lending for Acquisitions
An acquisition target can have financeable assets that contribute to the purchase financing.
Receivables and inventory can support a revolving facility at closing. Equipment can sometimes support additional leverage.
Asset-based financing can therefore form one component of a broader acquisition capital stack.
Financely also provides business acquisition financing for qualifying buyers and sponsors.
We Underwrite Before Approaching Lenders
Asset-based lending placement starts with the collateral.
Financely reviews asset quality and determines which assets are likely to be financeable.
We then evaluate how those assets interact with the company's cash flow and existing debt.
The proposed facility is structured before lender outreach begins.
What We Analyze
| Credit Area | Analysis |
|---|---|
| Receivables | Aging, debtor credit quality, dilution and concentration. |
| Inventory | Quantity, location, liquidity and ownership. |
| Equipment | Appraised value and useful life. |
| Cash Flow | Historical performance and debt service capacity. |
| Existing Debt | Current liens and intercreditor requirements. |
| Customer Concentration | Exposure to individual account debtors. |
| Working Capital Cycle | Timing between purchasing inventory and collecting receivables. |
| Reporting Systems | Ability to produce reliable borrowing-base reporting. |
Our Asset-Based Lending Placement Procedure
Transaction Intake
We review the company and requested facility. We also identify the proposed collateral.
Collateral Analysis
We review receivables and inventory. Equipment and other assets can also be included.
Borrowing Base Structuring
We estimate eligible asset values and structure the proposed facility.
Credit Underwriting
We analyze cash flow and leverage alongside collateral support.
Lender Package
We prepare the collateral and financial information for institutional review.
Lender Mapping
We identify banks and specialty lenders whose criteria fit the credit.
Placement
We introduce the transaction to selected capital providers.
Diligence and Closing
We coordinate lender diligence and support the financing process toward closing.
Our Fees
Financely works on a retainer plus transaction-fee model for asset-based lending placement mandates.
The retainer funds the underwriting and structuring work required before lender outreach begins.
| Fee Component | Pricing | Scope |
|---|---|---|
| Advisory Retainer | Quoted by mandate | Collateral analysis, financial underwriting, borrowing-base structuring, transaction packaging and lender mapping. |
| Finder's / Transaction Fee | Agreed by transaction | Transaction-based compensation linked to the financing outcome defined in the engagement. |
| Third-Party Costs | Transaction specific | Appraisals, field exams, legal work, lender diligence and other external expenses where required. |
Commercial terms depend on the facility.
Pricing is influenced by facility size and collateral complexity. Borrower readiness and lender-placement scope also affect the engagement.
What the Retainer Covers
Collateral Review
Analyze the assets available to support financing.
Borrowing Base Design
Develop the proposed advance structure and eligibility framework.
Financial Underwriting
Review cash flow, leverage and debt service capacity.
Credit Packaging
Prepare the facility and collateral information for lenders.
Lender Mapping
Identify banks and non-bank lenders that fit the credit.
Placement Execution
Manage introductions and lender discussions.
Why We Charge a Retainer
An ABL lender introduction is the result of a credit process.
Before approaching capital, the borrower needs a coherent borrowing base. The lender also needs enough information to assess collateral eligibility.
Our team reviews that information and structures the request before it reaches the market.
The retainer allows dedicated analysts and advisors to work on the mandate before lender approval exists.
Who Works on the Transaction?
| Professional | Role |
|---|---|
| Senior Debt Advisor | Leads facility structuring and lender negotiations. |
| ABL Credit Analyst | Reviews collateral eligibility and borrower credit quality. |
| Financial Modeler | Models facility availability and working capital needs. |
| Capital Placement Associate | Maps lenders and manages outreach. |
| Collateral Specialist | Supports inventory or specialty-asset analysis where required. |
| Legal and Diligence Specialists | Support security documentation and lender diligence where required. |
What Lenders Usually Need
- Historical financial statements
- Current management accounts
- Accounts receivable aging
- Customer concentration report
- Inventory report
- Inventory locations
- Equipment schedule
- Existing debt schedule
- Current liens
- Requested facility amount
- Use of proceeds
- Cash flow projections
- Borrowing-base reporting capabilities
- Ownership information
Field Exams and Collateral Diligence
Larger asset-based facilities can require independent collateral diligence.
A lender may conduct a field examination of receivables and inventory. It can also require independent asset appraisals.
This work helps establish the lender's final borrowing-base methodology.
Third-party diligence costs are generally separate from Financely's advisory fees.
What Makes a Strong ABL Candidate?
Strong asset-based lending candidates usually have recurring commercial activity and measurable collateral.
Accurate financial reporting is also important. Borrowers need to produce reliable information about the collateral pool.
- Meaningful commercial receivables
- Diversified account debtors
- Recurring inventory turnover
- Clear ownership of assets
- Reliable financial reporting
- Established operating history
- Defined working capital requirement
- Capacity to provide borrowing-base reports
What Can Reduce Borrowing Availability?
Asset value and borrowing value are different concepts.
A lender can exclude assets that fall outside its eligibility criteria.
Examples can include aged receivables and disputed invoices. Slow-moving inventory can also receive reduced credit.
Customer concentration can lead to additional reserves.
A Typical Asset-Based Lending Transaction
Consider a distributor with USD 12 million of accounts receivable and USD 8 million of inventory.
The company is growing rapidly and needs additional working capital to purchase goods.
Financely reviews the collateral pool and borrower financials. We then structure an indicative borrowing base.
| Transaction Element | Illustrative Position |
|---|---|
| Accounts Receivable | USD 12 million |
| Inventory | USD 8 million |
| Combined Gross Assets | USD 20 million |
| Facility Requirement | USD 10 million |
| Purpose | Recurring working capital and inventory purchases |
| Potential Capital | Bank ABL lender or private credit provider |
We would then present the transaction to lenders whose ticket size and collateral criteria match the proposed facility.
ABL Versus a Conventional Cash Flow Loan
| Credit Feature | Asset-Based Lending | Cash Flow Lending |
|---|---|---|
| Primary Credit Support | Receivables, inventory and other collateral. | Earnings and free cash flow. |
| Borrowing Availability | Can fluctuate with eligible assets. | Usually fixed under the committed facility. |
| Reporting | Detailed collateral reporting is common. | Primarily financial covenant reporting. |
| Typical Use | Working capital and asset-intensive growth. | General corporate purposes and acquisitions. |
Why Use Financely for Asset-Based Lending Placement?
The ABL market is fragmented between banks and independent specialty lenders.
Each lender applies different advance rates and collateral rules. Minimum facility sizes can also differ.
Financely structures the borrowing request before approaching the market. We then target lenders based on the actual collateral and credit profile.
This creates a focused placement process around institutions that can underwrite the transaction.
Looking for an Asset-Based Lending Facility?
Submit your financing requirement and the assets available to support the facility.
Include receivables aging and inventory information where available. Provide your requested facility amount and current financial statements.
Financely can review the collateral structure and determine the appropriate lender placement mandate.
Frequently Asked Questions
Does Financely introduce companies to asset-based lenders?
Yes. Financely can structure and place qualifying ABL transactions with banks and specialty lenders. Private credit providers can also be considered.
What assets can support an asset-based loan?
Accounts receivable and inventory are common collateral. Equipment and other eligible assets can also support certain facilities.
Who do you serve?
We work with established operating companies and distributors. Manufacturers, commodity traders, importers and exporters can also qualify.
Can you arrange borrowing-base facilities?
Yes. We can structure facilities based on eligible receivables and inventory. Other asset classes can also be considered.
Do you work with banks?
Yes. We can approach banks where the borrower and facility fit conventional bank credit criteria.
Do you work with non-bank ABL lenders?
Yes. Our lender universe can include independent ABL lenders and private credit funds. Specialty finance providers can also be considered.
How much does Financely charge?
Our commercial model combines an upfront advisory retainer with a transaction or finder's fee. The exact terms depend on facility size and collateral complexity.
What does the retainer cover?
The retainer can cover collateral analysis and financial underwriting. It can also cover borrowing-base structuring, lender packaging and capital-provider mapping.
Are appraisals included?
Independent appraisals and field examinations are generally treated as third-party expenses. The lender determines which diligence is required.
Can an ABL facility finance growth?
Yes. A revolving borrowing base can expand as eligible receivables and inventory increase. Final availability depends on lender underwriting.
Can asset-based lending be used for an acquisition?
Yes. Target-company assets can sometimes support part of an acquisition financing structure. The complete capital stack must still satisfy lender underwriting.
Does Financely guarantee approval?
Banks and lenders retain their own approval authority. Financing remains subject to collateral diligence, credit underwriting and documentation.
This article is provided for general informational purposes. Financing availability and advance rates vary by lender, borrower and collateral type. Financely provides structured finance advisory and placement services on a best-efforts and mandate-based basis. Financely does not guarantee financing or lender approval. Where licensing or regulated activity applies, transactions may be executed through appropriately regulated partners under their own approvals. Advisory retainers and transaction fees are documented in the applicable engagement agreement. Appraisal, field examination, legal and lender diligence costs may apply separately.
About Financely
We Provide Private Credit Trade and Project Finance Advisory for Sponsors and Borrowers
Financely is an independent capital adviser focused on trade finance, project finance, Commercial Real Estate, and M&A funding. We structure, underwrite, and place transactions through regulated partners across banks, funds, and insurers. Engagements are best-efforts, not a commitment to lend, and remain subject to KYC, AML, and approvals.