Unlock capital against the assets you already own — property, receivables, or inventory.
Asset-based lending underwrites the collateral first and the operating story second. Borrow against commercial or investment real estate, business receivables, or inventory when a traditional cash-flow loan won't stretch far enough. Fast, flexible, and structured to your balance sheet.
Loan Size
$100,000 – $10,000,000
LTV
Up to 75%
Term
1 – 5 Years
Collateral
Real Estate / AR / Inventory
Funding Time
10 – 20 Days
Credit Focus
Collateral first
01
Share property or asset details and current lien position.
02
Underwriting values the collateral and structures LTV.
03
Term sheet issued with rate, term, and advance amount.
04
Close and fund — proceeds wired to your account or payoffs.
Published research and industry data on how asset backed loans (abl) help U.S. businesses grow.
$500B+
Estimated U.S. asset-based lending commitments outstanding — one of the most durable segments of commercial finance.
Source: Secured Finance Network Annual Report
75% LTV
Typical advance rate against stabilized commercial real estate collateral in the ABL market.
Source: Commercial ABL industry benchmarks
10–20 Days
Median time to fund an ABL facility once the collateral valuation is delivered — materially faster than an SBA close.
Source: First Capital ABL desk
The scenarios below are hypothetical illustrations of how this program is commonly used. They are not actual First Capital Funding client results.
Distribution
Wholesale distributor
Borrowed $2.4M against AR and inventory to fund a large PO — repaid facility inside 90 days as receivables cleared.
Real Estate
Property investor
Pulled $850k out of a stabilized retail center to acquire a second property. Held both without touching operating cash.
Hypothetical examples for illustration only — not actual client outcomes. Individual results vary and no outcome is promised.
One application, one desk. A funding advisor will review your file and return offers tailored to your business.