Asset-based lending (ABL) provides working capital secured by accounts receivable, inventory, equipment, or real estate. PeerSense connects you with ABL lenders who understand your industry and close quickly.
Asset-based lending (ABL) provides lines of credit secured by accounts receivable, inventory, and equipment — not personal guarantees or tax returns. Typical facilities range from $1M to $100M with advance rates of 80–85% on AR and 50–65% on inventory, giving businesses immediate liquidity tied to real collateral.
Written by Ed Freeman, Capital Advisory — PeerSense. Updated April 2026.
Turn your receivables, inventory, and purchase orders into immediate working capital.
Sell your outstanding invoices for immediate cash. Non-recourse options available (lender takes the credit risk, not you). Works for staffing, manufacturing, transportation, construction, healthcare billing.
Revolving credit line secured by AR and inventory. Advances against eligible collateral as you invoice. Common for manufacturers, distributors, and businesses with irregular revenue cycles.
Get funded on confirmed purchase orders before you produce or ship. Works for domestic and international orders. Used by manufacturers, distributors, and importers.
Unsecured supply chain finance. No personal guarantee on select programs. Faster than traditional lending. Revenue-based underwriting.
Asset-based lending isn't always the right choice — but when speed, flexibility, and asset-driven underwriting matter, it often wins.
| Factor | Asset-Based Lending | SBA Loans |
|---|---|---|
| Speed | Days to weeks | Months |
| Personal Guarantee | Not required on some programs | Always required |
| Credit Requirements | Flexible — asset-based | Strict — 680+ FICO typical |
| Scalability | Scales with revenue | Fixed loan amount |
| Collateral | AR, inventory, POs | All business assets |
| Cost | Higher rates | Lower rates |
Asset-based lending works across industries — anywhere there are receivables, inventory, or purchase orders.
AR factoring, inventory financing, PO funding
Payroll funding, non-recourse factoring
Freight factoring, fuel advances
Medical billing factoring, AR financing
Inventory lines, PO financing
Progress billing factoring, contract financing
PeerSense connects you with ABL lenders who understand your industry and close quickly. One conversation. Direct introduction.