Asset-backed loans turn business assets into immediate funds
Use eligible business assets as collateral to access working capital for short-term cash-flow needs, growth opportunities, or operating demands.
Approval, loan amount, and terms depend on collateral value, business performance, and lender review.
What are asset-backed loans?
Asset-backed loans give businesses access to working capital through financing secured by business collateral. Eligible collateral may include inventory, accounts receivable, equipment, or other property owned by the borrower.
Because the lender is collateralized by a business asset, asset-backed loans may offer different benefits than unsecured financing, including access to larger amounts or potentially more favorable terms for qualified borrowers. Generally, the more liquid and verifiable the asset, the stronger the collateral profile may be.
Available financing varies by lender and depends on the type, value, and quality of the collateral, along with the overall performance of the business. BFS can help business owners explore asset-backed loan options and understand which assets may support funding.
Secured financing built around business collateral
Asset-backed loans are designed for businesses with valuable assets that can support working capital needs.
Larger loan potential
Eligible asset-backed loan options may start around $50,000 and range up to $10 million depending on collateral and lender approval.
Defined term options
Terms may range from six months up to 36 months, giving businesses a structured repayment window for short- to medium-term needs.
Fixed payments
Repayment may be structured as daily, weekly, or monthly fixed payments based on the approved option and lender terms.
When asset-backed lending makes sense
Asset-backed lending can be a strong fit for businesses that own valuable assets but need additional working capital. It may help fund short-term cash-flow needs, inventory purchases, expansion, operational costs, or opportunities where unsecured financing is not the best fit.
Because the loan is secured, lenders typically focus on collateral value, liquidity, documentation, and business performance. Businesses with accounts receivable, inventory, equipment, or other usable assets may have more options to explore.
A strong fit for businesses with:
- ✓Inventory, receivables, equipment, or other valuable assets
- ✓A need for larger working capital amounts
- ✓Short- to medium-term cash-flow demands
- ✓Collateral that can be documented and valued
- ✓Interest in secured financing options instead of unsecured funding
Asset-backed loans use business assets as collateral for working capital
You only need a few important items to begin the review process.
Valid identification
A driver's license or other government-issued form of identification.
Recent bank statements
Typically your last three months of business bank statements or account history.
Collateral details
Documentation for eligible assets such as receivables, inventory, equipment, or other business property.
Business information
Company details, ownership information, tax ID details, and your requested funding amount.
Apply in a few minutes. Receive funds in a few days.
Easy application
Apply online or contact an advisor. We'll gather business details, recent statements, and information about your assets.
Collateral review
The lender reviews asset type, value, liquidity, documentation, and overall business performance to determine available options.
Approval & funding
If approved, complete final verification and receive funds according to lender terms and collateral requirements.
Ongoing support
Your advisor can help you evaluate future financing needs as assets, receivables, and business goals evolve.
Asset-backed loans FAQs
Asset-backed financing with BFS
Turn eligible business assets into working capital. Our advisors can help you compare secured financing options and connect with funding partners that understand collateral-based lending.