We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
Asset Based Lending (ABL) is a secured credit facility sized off the collateral base, usually accounts receivable, inventory, and sometimes equipment or real estate. For borrowers, the pitch is simple: liquidity that moves with eligible assets, not with quarterly mood swings. For lenders, the deal is control: collateral reporting, eligibility rules, and a borrowing base that can be audited.
Want introductions to the right ABL desks without wasting weeks? Financely packages your request into a lender ready file and runs targeted outreach. Submit your request here: Submit Your Deal. For the exact workflow, see our procedure.
Borrowers with meaningful receivables and inventory, plus clean documentation and clear customer concentration visibility.
Working capital expands and contracts. A borrowing base facility can track that reality if reporting is tight.
ABL is often paired with term debt or sponsor capital to finance acquisitions, refinance legacy lines, or support restructurings.
If cash flow is choppy but collateral is real and verifiable, ABL can still work when conventional loans fail.
Clarity: This list is about asset based lending providers (borrowing base revolvers and senior secured facilities), not lenders for buying warehouse buildings or industrial real estate.
If your plan depends on comfort letters, proof theatrics, “program” language, or any third party collecting fees before real underwriting, expect serious lenders to disengage. ABL is documentation, controls, and collateral reality.
Most ABL requests fail for one reason: the borrower is asking for money, but not presenting a lender ready credit package. Financely closes that gap. We produce a structured lender memo, clean the collateral story, and introduce the request to aligned ABL desks based on ticket size, collateral type, industry, and complexity.
Executive credit memo, collateral narrative, borrowing base logic, sources and uses, and a data room index lenders can process quickly.
Focused outreach to relevant ABL providers. No mass emails. No “spray and pray” distribution.
We tighten the request into a decisionable profile: facility size, collateral mix, geography, and timing that matches real lender behavior.
We coordinate diligence requests and keep momentum, so you reach term sheets or written declines with speed and clarity.
The companies below include banks and non bank secured lenders active in US asset based lending. Some focus on middle market, others go up market, and several specialize in special situations. Use the list to map the market, then submit your file if you want Financely to run placement.
| ABL Provider | Type | Website |
|---|---|---|
| Wells Fargo Asset-Based Lending | Bank | wellsfargo.com |
| Bank of America Business Capital | Bank | business.bofa.com |
| J.P. Morgan Asset Based Lending | Bank | jpmorgan.com |
| PNC Business Credit | Bank | pnc.com |
| Citibank | Bank | citi.com |
| U.S. Bank ABL Insights | Bank | usbank.com |
| Truist Leveraged Finance (ABL) | Bank | truist.com |
| Fifth Third Asset Based Lending | Bank | 53.com |
| KeyBank Asset Based Lending | Bank | key.com |
| Citizens Asset-Based Lending | Bank | citizensbank.com |
| Regions Asset-Based Lending | Bank | regions.com |
| Huntington Business Credit (ABL) | Bank | huntington.com |
| M&T Asset Based Lending | Bank | mtb.com |
| BMO Commercial Bank Asset Based Lending | Bank | commercial.bmo.com |
| TD Commercial Asset Based Lending | Bank | td.com |
| Western Alliance Asset-Based Lending | Bank | westernalliancebancorporation.com |
| Texas Capital Bank Asset Based Lending | Bank | texascapitalbank.com |
| First Horizon Asset-Based Lending | Bank | firsthorizon.com |
| Synovus Asset-Based Lending | Bank | synovus.com |
| Cadence Bank Asset-Based Lending | Bank | cadencebank.com |
| First Citizens Asset-Based Lending | Bank | firstcitizens.com |
| Santander Bank Asset Based Lending | Bank | santanderbank.com |
| Capital One Commercial Lending | Bank | capitalone.com |
| Webster Bank Asset-Based Lending | Bank | websterbank.com |
| Associated Bank Asset Based Lending | Bank | associatedbank.com |
| Comerica (asset-based transactions) | Bank | comerica.com |
| HSBC US Credit and Lending | Bank | business.us.hsbc.com |
| White Oak Commercial Finance | Non-bank lender | whiteoaksf.com |
| MidCap Financial ABL | Non-bank lender | midcapfinancial.com |
| Siena Lending Group | Non-bank lender | sienalending.com |
| SLR Business Credit | Non-bank lender | slrbusinesscredit.com |
| Eclipse Business Capital | Non-bank lender | eclipsebuscap.com |
| Pathlight Capital | Non-bank lender | pathlightcapital.com |
| Tiger Finance (Tiger Group) | Non-bank lender | tigergroup.com |
| Gordon Brothers Finance Company | Non-bank lender | gbfinco.com |
| Republic Business Credit | Non-bank lender | republicbc.com |
| Rosenthal & Rosenthal | Non-bank lender | rosenthalcapitalgroup.com |
| eCapital Asset-Based Line of Credit | Non-bank lender | ecapital.com |
| Pathward Commercial Finance (Crestmark) | Bank-affiliated platform | crestmark.com |
| Gibraltar Business Capital | Non-bank lender | gibraltarbc.com |
| Amerisource Business Capital | Non-bank lender | amerisource.us.com |
| Porter Capital | Non-bank lender | portercap.com |
| Celtic Capital Corporation | Non-bank lender | celticcapital.com |
| Allied Financial Company | Non-bank lender | alliedfinancialcorp.com |
| Cambridge Savings Bank ABL | Bank | cambridgesavings.com |
| Eastern Bank Asset-Based Lending | Bank | easternbank.com |
| TAB Bank Asset-Based Lending | Bank | tabbank.com |
| LSQ | Working capital platform | lsq.com |
| NFS Capital | Non-bank lender | nfscapital.com |
| LQD Business Finance | Non-bank lender | lqdfinance.com |
| Item | What To Provide |
|---|---|
| Borrowing base inputs | AR aging, dilution trends, top customer concentrations, inventory listing, turns, obsolescence policy, and collateral exclusions. |
| Existing debt and liens | Debt schedule, payoff letters where relevant, UCC search results, and clarity on lien priority and intercreditor terms. |
| Facility request | Size, collateral mix, desired advance rates, use of proceeds, timing, and any sublimits (letters of credit, equipment, real estate). |
| Financial package | Recent financials, trailing performance, forecast, and a clean sources and uses tied to the request. |
| Operations and controls | Close process, reporting cadence, AR and inventory controls, and who signs borrowing base certificates. |
Submit your file and we will respond with a written proposal. If your request is placeable, we produce the lender ready memo and run targeted introductions.
No. Financely is not a lender. We package the request and introduce it to aligned ABL providers who underwrite and decide.
No. Outcomes are lender term sheets or written declines based on underwriting.
Clean receivables and saleable inventory are the core. Equipment and real estate can help, depending on lender policy and lien position.
Speed depends on readiness. Clean collateral schedules and clear liens move faster than a story that is still being assembled.
Often yes. Expect collateral exams and inventory appraisals, plus ongoing borrowing base reporting.
No. Financely runs a transaction-led process. Submit first, then we issue a written proposal and begin after acceptance and fees.
Compliance and scope note: Financely provides best-efforts advisory and lender introduction services. Financely does not provide loans, does not guarantee approvals, and does not issue commitments. Where licensing applies, regulated partners execute under their own approvals. This page is informational and is not legal, tax, or accounting advice.
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.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
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Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
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, engagements 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 and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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