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Business Capital Advisors

Asset-Based Financing

Borrow against the assets already on your balance sheet.

Asset-based lending (ABL) lines secured by the assets on your balance sheet: receivables, inventory, equipment, or commercial real estate. Capital that scales with what your business owns.

Is this the right product?

Structured around your business, not a one-size offer.

It fits when

  • Companies with meaningful receivables, inventory, equipment, or commercial real estate on the balance sheet
  • Businesses growing faster than their cash conversion cycle
  • Borrowers who outgrew their bank line but aren't priced for unsecured capital

Look elsewhere when

  • Asset-light service businesses; there is nothing to borrow against
  • Needs under roughly $100K, where setup costs outweigh the pricing benefit

How to qualify

  • Eligible collateral is the gate: receivables from creditworthy customers, sellable inventory, owned equipment or property
  • Advance rates typically 70 to 85% on receivables, 50% or less on inventory
  • Lenders run a field exam or collateral audit before closing

What you'll need

  • AR and AP aging reports
  • Inventory or equipment lists with values
  • Financial statements and recent tax returns

Cost and timeline

Illustrative example: a $250K facility against receivables might advance 80% of eligible invoices at a rate built from a base rate plus a margin, often with a monthly collateral-management fee. All-in cost typically lands between bank debt and unsecured online capital.

Expect 2 to 6 weeks to first funding; the collateral audit is the long pole. Once the facility is open, availability updates as your collateral base grows.

Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.

Go deeper: Types of Small Business Financing →

Common questions

Asset-Based Financing, answered straight.

What assets qualify for asset-based lending?

Accounts receivable and inventory are the core, with equipment and sometimes real estate layered in. Availability is strongest on receivables from creditworthy B2B customers.

How is my borrowing availability calculated?

Through a borrowing base: commonly up to 80-85% of eligible receivables and 50% or less of eligible inventory, recalculated as those balances move. Growth in sales grows availability automatically.

How is ABL different from factoring?

With ABL you keep billing and collecting from your customers and borrow against the receivables. With factoring, the factor purchases invoices and usually takes over collection contact. ABL suits larger, more established books.

Is my business big enough for an asset-based facility?

Facilities generally start making sense around $250K and scale into the tens of millions. Below that, factoring or a revenue-based product usually fits better, we will tell you which side of the line your file sits on.

How it works

From hello to funded.

  1. 01

    Tell us what you need

    Two minutes, how much, what for, and your monthly revenue. No hard credit pull.

  2. 02

    We structure your options

    Your advisor matches your file to the right product and 3-5 vetted funders, not 50.

  3. 03

    Compare real terms

    See factor rate or APR, payment, and total cost, all disclosed before you sign anything.

  4. 04

    Get funded

    Accept, upload a few documents, and funds can land in as little as 24-48 hours.

Other ways we structure capital

Let's structure your asset-based financing.

Two minutes to apply. First offers in 24 hours, with every term disclosed before you sign.

Get my funding optionsCall (307) 667-1250