Skip to Content

Asset-Based Term Loans

Use your inventory, equipment, or receivables to fuel growth without giving up equity or flexibility.

Apply Now
Key Highlights
A ready source of capital
Funding Amount
$100K to $10M
Term-Based
1 to 6 years
Time to Fund
2 weeks to 3 months
What is it?
Turn what you own into what you need

An asset-based term loan lets you use the value of your business assets, like inventory, equipment, or receivables, to secure a lump sum of capital.

It’s ideal when you need more funding than a traditional bank is willing to offer, or when you want to unlock capital without relying on a perfect credit score.

Whether you’re expanding, upgrading infrastructure, or freeing up cash flow, this option helps you move forward without equity dilution or jumping through complex financing hoops. If you’re looking for financing that doesn’t require collateral, we have a wide range of cash flow based options that can support your goals.

Apply Now
why get it?
Your assets represent capital—use it

Unlock the value of your assets to fund growth initiatives.

Apply Now
No equity required

Keep full ownership and control.

Flexible credit approval

Your assets matter more than your credit.

Put idle assets to work

Turn equipment or inventory into growth capital.

Built for bigger moves

Perfect for upgrades, expansions, or refinancing.

What’s the difference?
Asset-based term loans vs Cash flow term loans
feature
feature Asset-Based Term Loan Cash Flow Term Loan
How it’s secured Business assets (inventory, equipment, receivables) Non-asset backed or backed by a personal
guarantee
How it’s secured
feature: How it’s secured
Asset-Based Term Loan: Business assets (inventory, equipment, receivables)
Cash Flow Term Loan: Non-asset backed or backed by a personal
guarantee
How it’s approved Value and quality of your assets Credit history and revenue
How it’s approved
feature: How it’s approved
Asset-Based Term Loan: Value and quality of your assets
Cash Flow Term Loan: Credit history and revenue
Loan Amount Tied to appraised asset value Tied to average monthly revenue
Loan Amount
feature: Loan Amount
Asset-Based Term Loan: Tied to appraised asset value
Cash Flow Term Loan: Tied to average monthly revenue
Best for Businesses with strong assets and longer-term
capital needs Businesses with healthy margins
and predictable revenue
Best for
feature: Best for
Asset-Based Term Loan: Businesses with strong assets and longer-term
capital needs
Cash Flow Term Loan: Businesses with healthy margins
and predictable revenue
Claudine Orlian
Owner, Beyond Beauty Basics, LLC

Funds as you need them, when you need them

Apply Now
your eligibility
3 checks and you’re in

We focus on what your business has built—not just your credit score. If growth is being held back by limited financing options, an asset-based term loan may be your best move.

  • 1+ year in business
  • $500,000+ in annual revenue
  • Valuable assets, like receivables, inventory, or equipment
Check Eligibility

Not sure if your assets qualify? Our advisors can let you know in minutes.

What do I need to PROVIDE?
Required documents

Have this information on hand and you’re all set.

  • Business formation docs
  • Personal financial statements
  • Business financial statements
  • Business plan
  • Aging A/R and A/P reports
Apply Now

FAQs

It’s a financing solution that lets you turn your business assets, like inventory, receivables, or equipment, into a lump sum of growth capital. If you have valuable assets and a long-term goal, this type of loan gives you the power to move forward without relying on perfect credit.

A term loan gives you one lump sum to use upfront, with fixed payments over time. A line of credit gives you ongoing access to capital that you can draw from and repay as needed. If you have a large purchase or investment in mind, a term loan is often the better fit.

Common options include accounts receivable, inventory, machinery, and equipment. If your business owns high-value, tangible assets, you can likely use them to unlock financing. Our team can help you evaluate what qualifies.

This loan is designed for businesses with $500,000+ in annual revenue and assets to leverage, like inventory, equipment, or B2B receivables. Even if your credit score isn’t perfect, you can still qualify if your assets are strong.

Since these loans are secured, the main risk is losing the collateral if you default. That’s why we work with you to structure repayment terms that fit your business cash flow so you can borrow confidently without stretching too thin.

Let’s talk funding
Get the capital you need to grow your business

Let’s review your assets and find out if you qualify—no pressure, no upfront cost.

Apply Now
Back to top