Asset-Based Lending

Expertise in Asset-Based Lending

Asset-based loan facilities can provide you with needed liquidity for operations and growth. Our Asset-Based Lending Group offers asset-backed loans in addition to traditional corporate banking solutions. Get flexible financing backed by your inventory, receivables or other balance sheet assets.

Why Choose Asset-Based Lending?1

Asset-based loans are a great alternative for companies in a variety of situations including a period of rapid growth, experiencing seasonality, in turnaround or recovery mode, or when highly leveraged or undercapitalized. Our asset-based loan (ABL) solutions provide access to additional capital for growth, payroll and other operating expenses, secured by your accounts receivable and inventory. 

  • Competitive advance rates when matched with highly liquid assets
  • Covenant flexibility to meet your funding needs
  • Streamlined underwriting and approval provides working capital quickly
  • Expertise in many industries including wholesale and distribution, software, technology, hardware, manufacturing and more
  • Banking for all stages of growth and dedicated bankers providing personal attention from early stage to services tailored for larger organizations and public companies

Asset-Based Lending Solutions1

Your banker will create an asset-based financing solution tailored to your specific needs. Because an ABL uses your balance sheet assets as collateral, it can be a sensible choice to maximize your borrowing capacity and deliver needed liquidity for:

  • Accounts receivable (A/R) financing
  • Acquisition financing
  • Working capital financing
  • Invoice financing, inventory financing and purchase order (PO) financing
  • Supply chain management
  • Equipment financing
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Our Asset-Based Lending Parameters

We customize your asset-based loan to your company’s goals, within specific lending guidelines. We typically base financial covenants upon net availability, balance sheet liquidity and/or cash flow.

  • Facility size: $2 million to $100 million
  • Pricing: Prime- or SOFR-based options
  • Typical advance rates: 80% to 85% of eligible A/R and up to 50% to 60% of eligible inventory
  • Fees: origination and nominal collateral monitoring charges
  • Financing for companies with negative cash flow may be possible with collateral acceptable to the Bank

Asset-Based Lending Group

You can benefit from the flexibility of asset-based financing to provide working capital when you need it. Whatever your requirements, you'll receive personalized attention and service designed to meet your needs and timeline.

About Us

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With us, you get the best of both worlds as we deliver innovative ABL solutions backed by the reach of one of the country’s top-performing banking companies. Whether you choose asset-based financing or another loan structure, you’ll receive quick answers from our dedicated relationship bankers.

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Western Alliance Bank Headquarters

1 East Washington Street
Suite 1400
Phoenix, AZ 85004
United States

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The Western Alliance Bank building in downtown Phoenix, Arizona

1. All offers of credit are subject to credit approval, satisfactory legal documentation, and regulatory compliance. Borrowers are responsible for any appraisal and environmental fees plus customary closing costs, including title, escrow, documentation fees and may be responsible for any bank fees including bridge loan, construction loan, and packaging fees.