ASSET-BASED
LENDING.
Some businesses are worth more than their cash flow suggests on paper: a strong receivables ledger, deep inventory, capable equipment. Asset-based lending looks at those assets — not just the bank balance — as the foundation for financing.
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WHEN THE ASSETS ARE STRONG — BUT THE CASH ISN'T.
Traditional lending often leans on a narrow view of a business: credit history, tidy financials, collateral the lender prefers. Businesses with real commercial assets — receivables, inventory, equipment — can find that view leaves their actual strength invisible.
Asset-based lending approaches the question differently: what eligible assets does the business hold, and what financing might they reasonably support?
WHAT ASSET-BASED LENDING CAN BE BUILT ON.
Accounts Receivable
Money customers already owe — often the strongest asset class.
Inventory
Salable stock that holds value on the shelf.
Equipment
Machinery and vehicles with real market value.
Other Commercial Assets
Additional business assets considered in the review.
Growth Capital
Funding the next stage based on total asset strength.
Working Capital
Operating cash backed by the assets behind the operation.
NOT EVERY BUSINESS — OR EVERY ASSET — QUALIFIES.
NOT SURE WHAT KIND OF FINANCING YOU NEED?
You don't need to know the exact financing product before you start. Tell us what your business is trying to accomplish.
QUESTIONS ABOUT ASSET-BASED LENDING.
FINANCING THAT SEES WHAT YOUR BUSINESS HOLDS.
BizFin.ca — Finance your next move.
RELATED FINANCING SOLUTIONS.
Working Capital
Flexible capital for cash flow, payroll, suppliers, operating expenses and opportunities.
Learn more