How It Works
Asset-Based Lending (ABL) helps you turn business assets, like accounts receivable, inventory, or equipment, into usable capital. Instead of relying solely on credit history, you leverage what your business already owns to secure flexible financing. ABL is ideal for businesses that need larger credit facilities or want a reliable capital stream that grows with operations. Whether you’re scaling, restructuring, or navigating a cash crunch, your assets can power your next move.
Inventory
Use your asset line to purchase bulk inventory, lock in supplier deals, or prepare for peak seasons.
Cash Flow
Smooth out income fluctuations with drawdowns that align with asset value, not payment schedules.
Upgrades
Fund equipment purchases or renovations by using what you already own. no new debt or out-of-pocket spend.
Growth
Finance major initiatives like expansions or acquisitions by borrowing against inventory, contracts, or A/R.
Payroll
Ensure your team gets paid on time, even while waiting for invoices to clear or orders to fulfil.
Emergencies
Handling unforeseen expenses or emergencies, such as urgent repairs or unexpected bills
Turnaround Support
Restructure operations or regain momentum using existing assets when other funding options feel out of reach.
Receivables Gaps
Turn outstanding invoices into fast-access capital, bridging the delay between service and payment.
Refinancing
Replace high-interest loans or multiple debts with a structured facility based on your assets, not just your credit score.
Construction Firm Unlocks Capital
A commercial contractor leveraged $800,000 in equipment and receivables to secure a $500,000 asset-based loan, enabling them to take on larger projects without waiting on delayed payments.
Distributor Taps Inventory for Growth
A regional wholesaler used its $1.2M in unsold inventory as collateral for a $750,000 ABL facility, funding new vendor contracts and expanding warehouse operations without taking on unsecured debt.
Is This Right for You?
Asset-Based Lending works best for companies that generate strong revenue but need flexible capital beyond traditional credit. If your business owns valuable assets and is ready to unlock more working capital, this could be a fit.
You have substantial assets
ABL lets you leverage existing resources to gain financing without giving up equity or relying on perfect credit.
You need a larger credit facility
Ideal for companies seeking higher loan limits, especially during times of growth, expansion, or restructuring.
You prefer not to rely solely on credit score
Asset value, not your FICO, drives approval and terms, so it’s a smart option for businesses with inconsistent credit history.
Loan Details
Here’s what to expect from an Asset-Based Lending solution through Capital Two. Built for scale, flexibility, and transparency, this funding type is ready when traditional loans:
$50,000 – $10,000,000+
6 months to 5 years
3–10 business days
A/R, equipment, inventory, etc.
Up to 85% of AR value
Why Us
The Benefits of Choosing Capital Two
Capital Two isn’t just fast. We’re built for business owners who need a partner, not just a lender. We offer transparent terms, real support, and funding solutions designed to meet you where you are and get you where you’re going.
Fast Approvals
You don’t have weeks to wait. We deliver funding decisions in as little as 24 hours, so you can act fast when it counts.
Flexible Solutions
No two businesses are alike. That’s why our financing options are tailored to your needs - not stuck in a template.
Dedicated Support
When you reach out, you get real people. Funding experts who listen, guide, and stick with you from start to funded.
Specialized Focus
We do one thing and that’s business funding. Our laser focus is the reason why we do it better: with insight, precision, and zero distractions.
