Asset-based lending (ABL) is a senior secured credit facility that advances cash against the current value of trade receivables, inventory, and machinery rather than projected EBITDA. By converting working-capital assets into an immediately drawable line, ABL frees funds for seasonal build-ups, acquisitive roll-ups, turnaround plans, and dividend recapitalisations—all while preserving ownership. It suits manufacturers, distributors, and sponsor-backed businesses whose balance sheets hold sizeable, verifiable collateral but whose cash flow may fluctuate or fall outside traditional leverage ratios. Appetite from private-credit investors and non-bank lenders continues to climb: global ABL outstandings topped USD 500 billion in 2024 as institutional capital seeks asset-secured yield with robust downside protection.
“Asset-based transactions rise or fall on data integrity. Provide a complete aging report and we can convert those assets into liquidity before your next payroll. Our lending partners do not shop files; they have committed appetite for this paper, and we have direct access to their credit teams.”
From classic AR revolvers to stretch ABL and split-lien hybrids—we design the structure that clears compliance and cash-flow hurdles, then place it with lenders already primed to buy the paper.
Submit your borrowing-base data today. If we can execute your mandate, you’ll receive a proposal within 1 – 3 business days.
Our median turnaround in 2024-25 is 28 days from data-drop to first draw—assuming clean collateral schedules and a cooperative field-exam crew.
We don’t. Financely structures and underwrites, then places the facility with forward-flow lenders that already have program agreements signed with us.
Trade receivables, raw/WIP/finished goods, in-transit inventory, and hard assets such as CNC machines, fleet, or yellow iron. Real estate can be added for extra headroom.
We size rates off dilution history, customer concentrations, appraisal values, and turn ratios. Typical baselines: 85-90 % A/R, 70-75 % inventory, 65 % M&E FMV.
Yes. Corporate or personal guarantees, standby letters of credit, or even a master customer contract can trim spreads by 50-150 bps and push advance rates 5-10 % higher. We advise on the lightest-touch enhancement that still satisfies lender credit boxes—so you don’t over-pledge the balance sheet.
Asset-based lending is private credit. Where a securities license is required—say, note syndication—Financely operates under formal chaperone agreements with registered broker-dealers.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagement may be carried out through Financely Group LLC, a non-deposit-taking non-banking financial company; Ashford Capital Advisory LLC; or another related entity. Financely and its affiliates are not registered as securities broker-dealers. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
exempt foreign private adviser pursuant to the Dodd-Frank Act, subject to applicable exemptions from certain regulatory requirements. Our services and regulatory status may vary based on the location and nature of the transaction. Click
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