Borrowing capacity anchored in the assets you already carry.
For companies with meaningful receivables, inventory, equipment or other collateral who need flexible revolving or term financing.
Discuss your financing
Step 1 of 2
Perspective
How we approach asset-based.
Asset-based facilities can provide capacity when earnings are uneven or growing quickly, because availability is tied to collateral rather than solely to trailing cash flow.
They also come with reporting obligations, field exams and borrowing-base mechanics that are worth understanding before you commit. We help you evaluate fit and prepare the collateral picture lenders need.
Appropriate Uses
- Revolving lines secured by receivables and inventory
- Term loans secured by equipment or real estate
- Refinancing a cash-flow facility
- Supporting seasonal or rapid growth
Suitability Considerations
- Availability fluctuates with eligible collateral.
- Expect periodic borrowing-base reporting and lender field examinations.
- Customer concentration and aging affect receivable eligibility.
- Inventory type and turnover affect advance rates.
Preparing for Review
What a first review typically draws on.
You don't need any of this to submit an inquiry. Please don't upload tax returns, bank statements or identification numbers through this site. We'll discuss secure next steps if a review moves forward.
- Accounts receivable and payable agings
- Inventory report by category and location
- Equipment list with approximate values
- Financial statements and existing debt schedule
Questions
Frequently asked.
Is asset-based lending only for struggling companies?
No. Many well-performing companies use asset-based structures because they scale with working capital.
What reporting is involved?
Typically a borrowing-base certificate, receivable and payable agings and periodic field exams. The specifics are set by the lender.
How fast can a facility close?
Timing depends on lender diligence, including collateral exams and appraisals. We can outline a realistic timeline once we understand your situation.
LuxeBridge Capital Advisory is a commercial finance intermediary and advisor, not a direct lender. Any financing is subject to underwriting, due diligence, lender or investor approval and transaction-specific terms. No rate, amount, timeline or outcome is guaranteed. Where a transaction requires a licensed broker-dealer or agent, LuxeBridge acts through introductions and coordination alongside the client's licensed adviser.