Asset-Based Lending: Capital Secured by Your Business Assets
Asset-based lending (ABL) provides working capital secured by accounts receivable, inventory, equipment, or real estate. PeerSense connects you with ABL lenders who understand your industry and close quickly.
Asset-Based Lending Products
Turn your receivables, inventory, and purchase orders into immediate working capital.
Accounts Receivable Factoring
Sell your outstanding invoices for immediate cash. Non-recourse options available (lender takes the credit risk, not you). Works for staffing, manufacturing, transportation, construction, healthcare billing.
- Immediate cash on invoices
- Non-recourse options available
- No debt on balance sheet
- Scales with revenue
Asset-Based Lines of Credit
Revolving credit line secured by AR and inventory. Advances against eligible collateral as you invoice. Common for manufacturers, distributors, and businesses with irregular revenue cycles.
- Revolving credit structure
- Secured by AR and inventory
- Flexible draw schedule
- Lower rates than factoring
Purchase Order Financing
Get funded on confirmed purchase orders before you produce or ship. Works for domestic and international orders. Used by manufacturers, distributors, and importers.
- Fund confirmed POs
- Domestic and international
- No collateral required
- Fast approval
Supply Chain Finance
Unsecured supply chain finance. No personal guarantee on select programs. Faster than traditional lending. Revenue-based underwriting.
- Unsecured options available
- No personal guarantee (select programs)
- Revenue-based underwriting
- Fast deployment
When Asset-Based Lending (ABL) Beats SBA
Asset-based lending isn't always the right choice — but when speed, flexibility, and asset-driven underwriting matter, it often wins.
| Factor | Asset-Based Lending | SBA Loans |
|---|---|---|
| Speed | Days to weeks | Months |
| Personal Guarantee | Not required on some programs | Always required |
| Credit Requirements | Flexible — asset-based | Strict — 680+ FICO typical |
| Scalability | Scales with revenue | Fixed loan amount |
| Collateral | AR, inventory, POs | All business assets |
| Cost | Higher rates | Lower rates |
When to Choose ABL Over SBA
- You need capital in days or weeks, not months
- You need asset-driven underwriting where collateral quality matters more than traditional metrics
- You want capital that scales with your revenue
- You prefer not to pledge all business assets
Industries We Serve
Asset-based lending works across industries — anywhere there are receivables, inventory, or purchase orders.
Manufacturing
AR factoring, inventory financing, PO funding
Staffing
Payroll funding, non-recourse factoring
Trucking & Logistics
Freight factoring, fuel advances
Healthcare
Medical billing factoring, AR financing
Distribution
Inventory lines, PO financing
Construction
Progress billing factoring, contract financing
Frequently Asked Questions
Need Asset-Based Financing? Let's Talk.
PeerSense connects you with ABL lenders who understand your industry and close quickly. One conversation. Direct introduction.