Receivables and inventory lending
A borrowing base uses specified eligible assets and advance rates; aged or concentrated receivables may be excluded.
FINANCING SOURCE
Asset-Based & Specialty Financing
These facilities put more weight on identified assets, contracts or receivables and how they convert to cash.
Understanding asset-based & specialty financing
Asset-based facilities often tie availability to eligible receivables, inventory or equipment. They can help when sales and assets grow ahead of cash collections, but the amount available can change as collateral changes.
Common structures and uses
Factoring and purchase-order structures
These approaches may fund particular invoices or orders, with different customer-notification, collection and fee arrangements.
Equipment-backed facilities
An equipment lender may emphasize asset type, value and useful life alongside the business’s repayment capacity.
What a lender will review
A source can fit the goal and still need a clear repayment and risk story.
- Quality and eligibility of underlying assets
- Borrowing base, advance rates and reporting
- Collections, concentration and controls
When this source may fit
- Growth in receivables or inventory ahead of collections
- Assets that support a disciplined funding structure
Where borrowers can lose time or options
Availability is not the facility limit
Ineligible assets, dilution, reserves and concentration limits may reduce the cash actually available.
Reporting burden
Regular collateral certificates, audits or field exams can require new processes and staff time.
Cash-flow mismatch
Asset growth alone does not fix weak margins, slow collections or a permanent capital shortfall.
Terms and obligations to compare
- Ongoing reporting and field examination may apply
- Availability moves with eligible collateral
Ask about total cost, proceeds, guarantees, collateral, covenants, reporting and timing in the actual proposal.
How Alliance helps
A large facility limit is little comfort if collateral rules leave you short when payroll or supplier bills arrive. Alliance reviews eligible assets and the collection cycle, estimates practical availability, and compares reporting and fees. You see how much usable liquidity a structure might provide and what it takes to maintain it.
Related borrowing needs
Working Capital
Growing sales should not leave you struggling to cover payroll, inventory, or everyday expenses. Explore working capital financing aligned with when your business pays out cash and collects it.
Explore ↗Equipment & CapEx
Outdated equipment or limited capacity should not keep your business from taking the next step. Explore equipment financing and capital expenditure funding while preserving cash for operations.
Explore ↗Expansion & Growth
New contracts, locations, and customers bring opportunity, but expenses often arrive before revenue. Explore growth financing built around the cash your expansion needs.
Explore ↗LET’S TALK
Discuss asset-based & specialty financing with Alliance.
Tell us what you need to finance and what has made the request difficult. We can discuss possible sources and next steps.