Asset Based Lending
Unlock Capital Tied Up in Your Assets
Strategic Financing forGrowth, Stability, and Expansion
Your business has valuable assets—put them to work. Asset-based lending provides flexible financing by leveraging accounts receivable, inventory, and equipment.
Tailored Financing for Businesses That Need Liquidity
First Turn Capital tailors lending to your assets and cash flow. As your firm grows, asset-based lending provides fast working capital without the restrictions of traditional capital solutions. Our financing options give you flexibility for everyday operations or long-term growth.
Asset-Based Capital Solutions (ABL)
Financing That Matches Your Business’s Needs
Turn Your Assets Into Cash FlowWhat It Is
Asset-based lending allows businesses to leverage inventory, and equipment to secure financing without waiting on slow-paying customers. It serves as a flexible alternative to traditional capital solutions, with approval based on asset value rather than just credit scores, making it ideal for businesses with strong assets but limited credit history. This approach provides steady working capital without fixed repayments, allowing funding to grow in tandem with your business. Ultimately, this financing option is designed to give your business quick access to cash while maintaining control over your operations.
Who They’re Best For
- Businesses with large inventory.
- Companies experiencing rapid growth but needing working capital.
- Enterprises looking for funding without taking on additional debt.
- Manufacturers, distributors, and wholesalers with valuable assets.
- Companies that want a flexible alternative to traditional financing.
Key Features
- Loan Amounts: Up to 80% of receivables or inventory value.
- Funding Speed: Get cash within 24–48 hours
- Collateral Flexibility: Use inventory, or equipment.
Why Us
We provide higher borrowing limits than traditional lenders, giving businesses the capital they actually need.
The Equipment You Need—Without the Upfront Cos
What It Is
Equipment financing allows you to invest in new or used equipment without draining your cash flow by providing the necessary financing without upfront costs, helping you preserve capital for growth. With flexible repayment plans, you can spread out payments over time instead of paying large lump sums. This option enables you to upgrade machinery, purchase vehicles, or invest in new technology while keeping your capital free for daily operations. Ultimately, equipment financing helps businesses scale without disrupting cash flow.
Who They’re Best For
- Businesses needing to upgrade or replace equipment.
- Companies looking to finance vehicles, machinery, or technology.
- Enterprises that want to avoid large upfront expenses.
- Manufacturers, trucking companies, and service providers.
- Businesses wanting affordable monthly payments instead of a lump sum purchase.
Key Features
- Loan Amounts: Finance up to 100% of equipment cost.
- Repayment Terms: Flexible plans from 12 to 72 months.
- Low Upfront Costs: Start using the equipment without large cash outlays.
Why Us
We offer up to 100% financing, so you can grow without depleting cash reserves.
Why First Turn Capital?
Fast Approvals,
Higher Loan LimitsWe offer higher borrowing limits than traditional banks and approve capital solutions in days, not weeks.
Asset-Based
Lending ExpertsWith decades of experience, we specialize in asset-backed financing that works for your business model.
Flexible Loan
StructuresOur financing options scale with your business—the more assets you have, the more funding you can access.
Unlocking Value: Your Asset-Based Lending Questions Answered
Clarity in Complexity
What types of financial and physical assets can secure asset-based financing?
Asset-based financing can be secured using a range of financial and physical assets, including cash, inventory, receivables, equipment, and even real estate. This method leverages the value already recorded on your balance sheet, allowing you to unlock liquidity tied up in tangible resources. It’s an effective way to transform assets into cash without selling them outright.
How does asset-based lending differ from traditional cash flow lending?
Unlike traditional cash flow lending—which depends on revenue and earnings projections—asset-based lending emphasizes the market value of tangible assets. This focus on collateral often results in higher borrowing limits and more favorable interest rates. It offers greater flexibility for businesses with seasonal or unpredictable cash flows.
Why choose asset-based lending over unsecured capital solutions?
Asset-based lending reduces risk for lenders by securing the loan with tangible assets, which typically leads to lower interest rates compared to unsecured capital solutions. This option enables businesses to access substantial funding without diluting equity or overly stressing cash flow. It’s particularly advantageous for companies that have valuable collateral but may not qualify for traditional financing.
What expertise does your asset-based lending team bring to the table?
Our team specializes in evaluating asset values and tailoring financing solutions that optimize your balance sheet. With deep industry knowledge, we ensure a swift approval process and customize terms to align with your operational needs. This expert guidance helps you maximize liquidity and support sustainable growth.
How are interest rates determined for an asset-based line of credit?
Interest rates are influenced by factors such as asset liquidity, loan-to-value ratios, and the overall strength of your balance sheet. More liquid and valuable collateral usually translates to lower risk and, in turn, more competitive rates. This structured approach rewards businesses that maintain strong asset bases.
Can I secure additional working capital if my cash flow is inconsistent?
Yes, asset-based lending focuses on the value of your or your business’s assets rather than relying solely on consistent cash assets. Even if your revenues are seasonal or irregular, assets like inventory and receivables can secure additional funding. This makes it an effective lifeline during off-peak periods or economic fluctuations.
What advantages do experienced asset-based lenders provide?
Experienced asset-based lenders streamline the process by accurately valuing your assets and minimizing approval delays. They offer flexible repayment plans tailored to your business’s cash flow, ensuring that you maximize liquidity without compromising operational efficiency. Their expertise results in competitive borrowing terms and a smoother financing experience.
How does an asset-based line impact my balance sheet?
An asset-based line of credit converts underutilized assets into liquid capital, effectively loaning money against these assets and improving your overall financial strength. This enhanced liquidity can lead to better debt-to-equity ratios and support strategic investments. Ultimately, it strengthens your balance sheet without forcing you to sell valuable assets or dilute equity.
Is Your Business Ready for a Sale or Strategic Exit?
Why This 60 Second Form Is Worth Your Time
It’s the first step in exploring a potential M&A transaction with First Turn Capital.
- Uncover What’s Driving Your Valuation
- Spot Operational Gaps That Could Kill a Deal
- See If You’re Caught in the Owner’s Trap
- Understand What Buyers Are Really Looking For
Once you complete the form, a member of our senior M&A team will review it and follow up with a confidential, no-pressure call. We’ll walk through your responses, discuss timing, and share what today’s buyers are paying for, along with what they’re avoiding. Whether you're planning for the future or already entertaining offers, this is a smart place to start.
Stay Ahead with Insights Built for Business Owners
Start the Conversation With First Turn Capital
Thinking about a sale? Exploring growth capital? Planning for something in between? It starts with this form.
Give us 60 seconds, and we’ll help you make your next move with confidence.
Join hundreds of owners and executives who receive our monthly updates. We share practical insights on deal activity, valuation trends, and the strategies successful companies use to plan for a sale or partnership. It’s clear, focused content from advisors who understand both sides of the table.