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Asset-Based Lending (ABL)

Asset-Based Lending (ABL) is a powerful funding tool for buyers acquiring businesses with valuable assets like inventory, receivables, or equipment.

At EINBF, we help you unlock deal capital by leveraging the business’s existing tangible assets. This minimizes personal guarantees and enhances cash access.

Whether funding inventory-heavy acquisitions or creating hybrid capital stacks, ABL can bring flexibility and speed to the closing table.

Asset Based Lending
EINBF Core Values
  • Asset Efficiency
  • Risk-Weighted Flexibility
  • Speed to Capital

Turn Assets Into Acquisition Power

ABL turns balance sheet items into immediate funding strength for buyers.

Inventory-Based Lending

Leverage inventory or raw materials as collateral to fund a business purchase.

  • Available for distributors & retailers
  • Line of credit or lump sum
  • Ideal for seasonal businesses
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Receivables Financing

Secure capital using the seller’s accounts receivables as a monetizable asset.

  • Typically 70–90% of AR
  • Short-term cash access
  • Often paired with bridge capital
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Equipment-Based Funding

Use the machinery, vehicles, or assets in the target company to unlock capital.

  • Fair market or liquidation value
  • Sale leaseback optional
  • Collateralize for larger funding
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Hybrid Capital Stack

Combine ABL with SBA, mezzanine, or equity to reduce personal risk and optimize capital cost.

  • Multi-source capital blend
  • Improves buyer negotiation power
  • Lower equity dilution
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Asset-Based Lending FAQs

Commonly eligible assets include inventory, accounts receivable, equipment, and in some cases, real estate or contracts.

ABL provides faster funding and more flexibility, especially when the borrower has limited credit or needs to avoid personal guarantees.

Yes. ABL is often used alongside SBA loans, mezzanine capital, and equity to form a full acquisition capital stack.
Ready to Unlock Capital or Investor Access?

EINBF helps serious business owners, investors, and sellers structure funding with precision. Let’s guide your capital journey — from planning to placement.

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