Asset-Based Lending
Financely structures asset-based lending requests backed by receivables, inventory, equipment, contract cash flow, and other eligible business assets for companies seeking working capital, growth capital, turnaround liquidity, and transaction support.
Structured Asset-Based Lending For Working Capital And Growth
Asset-based lending gives companies access to credit against assets that already sit inside the business. That can include accounts receivable, finished goods, raw materials, machinery, equipment, and other collateral with measurable value and a clear control framework. For businesses with strong operations but uneven cash conversion cycles, this form of lending can support inventory build, payroll, supplier payments, acquisition activity, seasonal expansion, and refinancing of tighter facilities.
Financely reviews the borrowing base logic, collateral profile, reporting quality, leverage, liquidity, and use of proceeds before presenting the request to relevant lending channels. A well-structured asset-based lending file usually turns on field exam readiness, receivables quality, inventory eligibility, collateral controls, concentration profile, and the company’s ability to report clearly and perform consistently.
Receivables Finance
Facilities supported by eligible invoices, customer payment history, dilution trends, and concentration analysis.
Inventory Lending
Working capital backed by finished goods, raw materials, and stock with verifiable value, turnover, and reporting discipline.
Equipment And Mixed Collateral
Facilities structured around machinery, equipment, and broader collateral pools that support growth, refinancing, or special situations.
A strong submission usually includes recent financial statements, aged receivables, inventory reports, borrowing base detail, existing debt schedule, customer concentration data, use of proceeds, management background, and a clear explanation of the collateral package. Lenders want clarity on collateral quality, reporting discipline, operational stability, and repayment capacity from day one.
Scope: facility sizing logic, collateral presentation, deal packaging, lender positioning, and third-party capital introductions on a best-efforts basis. Financing remains subject to underwriting, diligence, documentation, collateral review, and lender approval.
If you need an asset-based lending request packaged for lender review, submit your deal with the borrowing base, financials, and transaction summary.
Financely provides commercial finance structuring and lender introduction services for business borrowers. All engagements are handled on a transaction-led basis and are subject to scope, intake, underwriting review, and written terms.