Turn What You Own Into Working Capital

When your business needs capital, but your credit isn’t perfect or your revenue is inconsistent, there’s another way to get funded: asset-based lending. This funding method allows you to leverage the value of your existing assets — like inventory, equipment, real estate, or even accounts receivable — to secure working capital.

Unlike traditional loans that rely on credit scores or annual revenue, asset-based loans are backed by the tangible value of what your business already owns. This means if you have trucks, property, machinery, or customer invoices, you can turn them into cash without selling them.

Asset-based lending is ideal for businesses that are asset-rich but cash-poor. It also works well for companies in seasonal industries, manufacturers, or those looking to scale without adding debt tied to personal credit. It's especially useful when you're in a growth phase and need capital to seize an opportunity without sacrificing equity.

Real Estate Funding Through Asset-Based Lending: If your business owns real estate — whether it’s commercial property, rental units, or land — you can use those holdings to secure funding. Real estate-backed asset loans allow you to tap into equity without selling your properties. These funds can be used for renovation, expansion, or working capital. Lenders will evaluate property value, title status, and existing liens to determine eligibility.

Qualifications for Asset-Based Lending: Most lenders will require:

A detailed list of your available business assets

Proof of ownership (e.g., equipment titles or financial statements)

Valuation or appraisal of assets

A business entity in good standing (LLC or corporation preferred)

Some lenders may also request basic financials such as a profit and loss statement, a business plan, or tax returns to understand how you plan to use the funds and repay them.

Bottom line: If you have valuable business assets, don’t let them just sit there. Use them to unlock the funding you need to grow.