Business Credit
Put your assets to work for bigger, better terms.
Secured and asset-based financing lets your business borrow against what it already owns: receivables, inventory, equipment or real estate. More collateral can mean larger amounts and lower cost.
How it works
Turn what you own into working capital
List your assets
What the business owns and roughly what it is worth.
Valuation and underwriting
The lender reviews your collateral, financials and cash flow.
Close and fund
Sign, the lien is filed on the pledged assets, and funds are released.
Is it a fit?
Best when your balance sheet is your strength
Good fit if
- Meaningful receivables, inventory, equipment or real estate
- You want a larger amount or a lower cost
- Documented financials
- B2B companies with invoices to established customers
What you will need
- Signed application
- Last 6 months of business bank statements (all accounts)
- Accounts receivable report
- Balance sheet and P&L
- Business tax returns for the last 2 years (or 2 prior years and an extension)
- Schedule of collateral: equipment list, inventory report or property details
Send documents as PDFs. Your funding specialist will tell you if anything else is needed.
Common uses
Get Your Quote
See how much you qualify for
Takes 30 seconds. A funding specialist reaches out right away with real options.
- Answered fast, any hour
- Clear terms before you sign anything
Questions
Secured & Asset-Based Loans questions
What is asset-based lending?
A line or loan sized to the value of your eligible receivables, inventory or equipment. As those assets grow, your available capital can grow with them.
What happens to the collateral?
You keep using it to run your business. The lender files a lien, and the lien is released when the loan is paid off.
Can I use real estate?
Yes. Commercial and investment real estate can secure business financing.
Is my business too small?
Asset-based programs look for meaningful receivables or assets. If you are earlier stage, a line of credit or revenue based funding may fit better.
Related programs
Other ways to fund
Business Term Loans
Fixed funding with clear terms for expansion, renovations, hiring and bigger plays.
Learn more →Equipment Financing
Acquire the machines, vehicles and tech that drive your business while keeping cash free for operations.
Learn more →Commercial Real Estate
Multifamily, mixed-use, retail, office and industrial, matched to the right lender for the asset.
Learn more →Ready to move your business forward?
Apply today and get a decision fast. A real answer when you call, and clear terms before you sign.