Asset Based

Lending

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

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

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
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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
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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
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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
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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.