Asset-Based Lending 
Private Securitization & Capital Introduction
Liquidity from Operational Assets
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.
Jason Leung
MD, Private Credit Solutions, Financely
“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.”
Our ABL Toolkit
Plug-In CRO & RevOps Team
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.
Frequently Asked Questions
How fast can funding close?
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.
Do you lend your own balance sheet?
We don’t. Financely structures and underwrites, then places the facility with forward-flow lenders that already have program agreements signed with us.
Which assets qualify as collateral?
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.
How are advance rates determined?
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.
Can guarantees or other credit enhancements improve terms?
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.
Licensing & regulatory stance?
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.
