- Custom LTV structures matching your industry and asset mix
- Competitive pricing anchored to market benchmarks
- Dedicated asset-backed lending specialists
- Fast turnarounds: decisions in 24h, funding in 48h
Asset-Backed Loans: Unlock Capital from Your Business Assets (2025)
Asset-Backed Loans: Leverage Your Assets for Growth
Your company can unlock liquidity by pledging receivables, inventory, or equipment as collateral. Asset-backed loans provide higher limits, competitive rates, and flexible structures tailored to your cash-flow cycle.
How Asset-Backed Loans Work
We assess the value of your assets, agree on a Loan-to-Value (LTV) percentage, then advance funds against that collateral. You repay over time; if you default, the lender enforces its security interest.
Collateral Classes & Typical LTVs
| Asset Class | Typical LTV | Key Considerations |
|---|---|---|
| Accounts Receivable | 70–85% | Aged receivables under 90 days; concentration limits apply |
| Inventory | 40–60% | Depending on turnover and storage conditions |
| Equipment & Machinery | 50–70% | Based on appraised liquidation value |
| Real Estate | 60–75% | Location and marketability drive valuation |
Our Streamlined 5-Step Process
- Initial Assessment: Submit asset details and financials for a candidacy check.
- Valuation & Approval: Independent appraisals and credit review determine final LTV and terms.
- Documentation: Sign security agreements, file UCC-1 or equivalent perfection documents.
- Funding: Receive funds directly to your account—often within 48 hours.
- Ongoing Management: Periodic reporting and audits to ensure compliance and facility resets.
Estimate Your Loan Capacity
Why Choose Financely-Group
Key Advantages
Ready to unlock capital from your assets? Talk to our specialists and get a tailored proposal within 48 hours.
Request Your ProposalDisclaimer: Terms and availability depend on asset quality, credit assessment, and jurisdictional requirements. This information is for illustrative purposes and not financial advice.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Request a Proposal / Submit a Deal
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestProject Finance
Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestAcquisitions
Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFor Banks
Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
