Business financing
Asset-based lending
Financing capacity tied to the value of specific business assets.
What it is
Asset-based lending uses facilities secured against specific assets—receivables, inventory, equipment, or real property.
Borrowing capacity is tied to the value of those assets, which can help an asset-rich business or one that needs more than a cash-flow loan supports.
Where it fits
- Asset-rich businesses
- Businesses with receivables, inventory, equipment, or real property to support financing
- Borrowing needs that exceed what a cash-flow loan supports
- Working capital needs connected to the value of the business’s assets
What shapes the structure
- The type, condition, and value of the assets available
- The business’s financials and cash flow
- How receivables, inventory, equipment, or real property support the facility
- Industry, time in business, and lender criteria
How we approach it
We begin by understanding the assets, the operating business, and the financing need. We work with owners and, where appropriate, their attorneys and CPA firms to keep the structure grounded in the business’s actual position.
Stapleton Frost arranges financing through lenders and capital providers; it does not lend directly. We keep the discussion confidential and look for the route that fits the business—not simply the first available facility. Terms depend on the business’s financials and the lender’s criteria.
A useful first conversation
Request asset-based lending
Share the basics of the assets, business, and financing need so we can understand the facility to discuss.
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A useful first conversation
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