ASSET-BASED LENDING

Revolving Credit Backed by Your Business Assets

About flexible revolving facilities secured by accounts receivable, inventory, equipment, and real estate — designed for businesses that need more than traditional bank lines.

WHAT IS ABL

Capital Secured by What You Own

Asset-based lending (ABL) is a revolving credit facility where your borrowing capacity grows with your asset base. Unlike traditional bank lines based on cash flow covenants, ABL focuses on the real collateral value of your accounts receivable, inventory, equipment, and real estate. Ideal for high-growth, seasonal, or transitioning businesses.

Alliance connects you with ABL specialists from our network of 70+ lenders. We handle the asset evaluation, covenant structure, and placement — you get flexible capital that evolves with your business, not restrictive lending that holds you back.

Common Use Cases for ABL

High-Growth Companies

Outgrowing traditional bank lines? ABL grows with your sales and inventory, unlocking capital banks won't approve.

Seasonal Businesses

Fluctuating inventory needs? Draw when you need inventory, repay when seasonal sales peak — zero unused line fees.

M&A and Turnarounds

Companies in transition need flexible terms that evolve as you integrate or restructure. ABL adapts with you.

Strong Assets, Lumpy Cash

Solid inventory and receivables but irregular cash flow? ABL unlocks capital from your balance sheet, not your P&L.

Supplement Senior Credit

Have a bank line but need more? ABL stacks on top of existing debt for additional working capital flexibility.

Cross-Border Operations

International expansion or cross-border subsidiaries? ABL structures work across currencies and jurisdictions with flexibility.

Why Choose Alliance for ABL

Capacity Grows With You

As inventory, receivables, and equipment increase, so does your available credit — no need to renegotiate.

More Flexible Covenants

ABL covenants focus on collateral ratios, not EBITDA or debt-service metrics — less restrictive than traditional lending.

Multi-Asset Access

Unlock capital from A/R, inventory, equipment, and real estate simultaneously in a single facility — maximum leverage.

Ideal Bridge Capital

Perfect for growth, M&A, or restructuring phases when traditional bank metrics are in flux. Stability through transition.

HOW IT WORKS

Three Steps to Asset-Based Lending

Asset Analysis

We analyze your asset base—accounts receivable, inventory, equipment, real estate—to determine facility size and structure.

Lender Match

We submit your ABL profile to ABL specialists from our 70+ lender network. Receive multiple offers with competing rates.

Facility Established

Choose your lender, sign documents, and draw on the revolving facility. Repay and redraw as assets shift throughout the year.