Asset-Based Lending

Asset-Based Lending: Your Business's Lifeline

Need quick access to capital to fuel your business’s growth? Asset-Based Lending (ABL) could be the solution you’ve been searching for. By leveraging your business assets as collateral, you can unlock the funding you need to expand operations, invest in new opportunities, or manage seasonal fluctuations.

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Why Choose Asset-Based Lending?

Unlike traditional loans, ABL offers a faster and more flexible approach to financing. You can secure funds based on the value of your inventory, accounts receivable, and equipment. This makes it ideal for businesses with strong asset positions, regardless of their credit history or collateral.

Key Benefits of Asset-Based Lending

Rapid Access to Capital

Quick access to funds, often within days.

Higher Borrowing Limits

Borrow large amount based on the value of your assets.

Impact on Credit Score

No impact on your credit score compared to traditional loans.

Scalability

Increase your borrowing capacity as your business grows.

How Does Asset-Based Lending Work?

At State Financial, we’re committed to helping businesses thrive. Our Invoice Factoring services are designed to:

  • Asset Evaluation

    Our experts assess the value of your assets to determine your borrowing capacity.
  • Credit Review

    We analyze your business’s financial performance and credit history.  
  • Loan Approval and Funding

    Once approved, you’ll receive the funds promptly.  

Unlock Your Business's Potential with Asset-Based Lending

Running a business means constantly looking for ways to grow and stay competitive. Whether you’re thinking about expanding your operations, investing in new technologies, or simply managing cash flow, getting the right funding can make all the difference. Asset-based lending (ABL) is a great solution that allows you to use your business’s assets—like inventory, accounts receivable, or equipment—as collateral to secure the financing you need. Unlike traditional loans, which can be difficult to qualify for, asset-based lending gives you quicker access to funds, making it easier to move your business forward. At State Financial, we’re here to help you unlock your business’s full potential by offering flexible lending options that can fuel your growth and keep you on track. Get in touch with us today to find out how our asset-based lending services can support your business goals and help you succeed.

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State Financial: Your Trusted Ally

At State Financial, we know that no two businesses are the same, and that’s why we take a personalized approach to asset-based lending. Whether you’re a small business owner looking to grow or an established company needing help with cash flow, our team is here to provide the support you need. We work closely with you to understand your unique situation and create a lending plan that fits your goals. For businesses exploring small business loans in the Western States, our asset-based lending services offer the flexibility to help you navigate the ups and downs of business, allowing you to invest in what matters most—whether that’s new equipment or expanding your services. You can count on us to be more than just a lender—we’re an ally in your business’s success. Reach out to State Financial today, and let’s work together to help your business thrive.

Why Choose State Financial

Expert Guidance

Our knowledgeable team guides you through the entire process.

Fast Funding

Receive the capital you need quickly.

Tailored Solutions

Our solutions are customized to your specific business needs.

Asset-Based Lending FAQs

01. What is asset-based lending?

Asset-based lending is a type of financing where businesses can borrow money using their assets as collateral.

02. Who is eligible for asset-based lending?

Businesses of all sizes can qualify, as long as they have valuable assets.

03. What are the benefits of asset-based lending?

Quick access to capital, flexible repayment terms, higher borrowing limits, and minimal impact on credit score are key benefits.

04. What are the typical costs associated with asset-based lending?

One time audit fee, set up fee and monthly interest.

05. How long does the ABL process take?

Quick generally less than 2 weeks

06. What documentation is required for an asset-based loan?

Financial statements, Accounts receivable agings report and account payable.

07. Can I use asset-based lending to refinance existing debt?

Yes, asset-based lending can be used to refinance existing debt.

08. What happens if I default on my asset-based loan?

The lender may seize and sell your collateral to recover the outstanding debt.

Get Started

Send us your basic contact information and a member of our staff will contact you shortly. All Communication is private and confidential.

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