Asset Based Lending
Structured facilities that blend receivables, plant and machinery, inventory, cashflow loans, and commercial mortgages into one revolving funding line.
How It Works
Asset based lending (ABL) combines multiple business assets into a single, flexible facility. Receivables, plant and machinery, inventory, and property can all be leveraged together to create a larger funding line than a single-product facility would allow. A dedicated relationship manager oversees the facility and regular audits ensure the available headroom stays aligned with the value of the assets.
Typical Amounts
£1m – £50m+
Terms
Multi-year revolving facility, often multi-year facilities, with periodic reviews
Who It's For
Established businesses with a range of assets on the balance sheet who want a single, scalable funding solution rather than separate facilities for invoices, stock, and property. Ideal for management buyouts, acquisitions, fast-growing companies, and businesses refinancing multiple lenders.
Key Benefits
- Combine receivables, stock, plant, and property in one facility
- Higher total advance than standalone products
- Revolving headroom that grows with asset values
- Flexible drawdown and repayment to match cash flow
- Simplify banking relationships with one lender and one covenant package
Frequently Asked Questions
Related Insights
New to trade finance? Read our full guide: What Is Trade Finance? A UK Business Guide.
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