Asset Based

Leverage your inventory and receivables as security for a flexible line of credit.

Asset Based Lending

At A Glance

  • Customized solutions
  • No hidden fees
  • Keep your equity and your assets
  • Competitive rates
  • Secure Financial Partnership
  • Flexible draw amounts

80 - 90%

Advances of receivables

up to 50% advances

on eligible inventory

Same day

or next day funding

$500k to $5M+

line amounts

A true asset-based lending solution,
for small to medium sized businesses

Free up short-term assets:
Read More
Use your accounts receivable and inventory as collateral to free up your cash.
Only use what you need:
Read More
With asset-based lending, you can be flexible and only use what you need.
Take on New Customers:
Read More
Grow your book of business and serve more clients than ever with a flexible line of credit.
Bridge the Gap with Flexibility:
Read More
Avoid waiting on your customers to pay and meet their terms without draining your cash reserves.
Take Advantage of Supplier Discounts:
Read More
Pay your suppliers faster than ever with increased cash flow, taking advantage of discounts and improving relationships.
Nimbly Navigate Seasonal Fluctuations:
Read More
Navigate seasonal fluctuations with a line that can keep up with rising and falling seasonal demand.
Stop worrying about payroll deadlines:
Read More
Keep cash on hand to meet payroll deadlines without having to slow down growth.

True Asset-Based Lending

What do we mean by true? Most banks and factors who claim to offer an asset-based lending product do not offer a true borrowing base certificate.


Factors often offer ABL, but many times their agreements are structured as a purchase/sale contract (like Factoring), not as a line of credit with a borrowing base.


Banks will sometimes offer a true ABL product, but it’s often reserved for large companies doing over $20M/year in sales. If they do offer a smaller solution, it’s likely that they don’t have the infrastructure to properly service it.

With Flexent, you get a true asset-based lending product with minimal covenants and competitive rates, tailor made for small to medium sized businesses.

Flexent ABL may be for you if

you carry a lot of short-term assets

you don't have access to real estate collateral

What our clients say

A Fantastic SolutionJohn Marshal, Atlantic Coast Electrical Supply
Read More
For the size we were, and the risk of how we started our company, it was a fantastic solution and a great relationship.
Flexent stepped inKevin Donnelly, Speedwire
Read More
Flexent stepped in to make sure you had the cash to make all of this happen.
They did anything they could to helpRuss Izzo, TruMedic
Read More
They bent and twisted their program whenever I needed. I reached out to them and they did anything they could to help.
Right next doorTony Wiggins, Visual Solutions Distributing
Read More
I've never had a better banking relationship. They felt like they were right next door to my business.

Schedule a Consultation

Speak with an experienced team member who can help you achieve your goals.