Asset-Based Lending
Unlock the capital trapped in your business assets — receivables, inventory, and equipment — without diluting equity or waiting on traditional bank approvals.
Your Balance Sheet Is a Lending Facility Waiting to Be Activated
Asset-based lending (ABL) is one of the most powerful — and underutilized — financing tools available to growing businesses. Instead of relying solely on cash flow or credit history, ABL uses the tangible assets on your balance sheet as collateral to secure a revolving credit facility or term loan.
Grid Global specializes in structuring ABL facilities for businesses that need working capital to fund growth, bridge seasonal cash flow gaps, support acquisitions, or refinance expensive debt. We work with asset-intensive businesses across manufacturing, distribution, construction, staffing, and trade finance.
Our team knows which lenders specialize in which asset types, which advance rates are achievable, and how to structure facilities that give you maximum flexibility without onerous reporting requirements.
The Advantages of Working With Us
Collateral-Driven Approval
Your assets do the talking. We secure financing based on the value of your receivables, inventory, or equipment — not just your credit score.
Flexible Credit Lines
Draw down only what you need, when you need it. Our revolving credit structures scale with your business cycle.
Higher Advance Rates
We negotiate advance rates of up to 90% on eligible receivables and 70% on inventory — significantly higher than traditional bank lines.
Rapid Deployment
When a contract or opportunity arrives, you need capital fast. Our ABL facilities can be structured and funded in as little as 2–3 weeks.
No Dilution of Equity
Unlike raising equity, ABL lets you fund growth without giving up ownership. Keep control of your business while accessing the capital you need.
Industry-Agnostic
Manufacturing, distribution, staffing, construction, healthcare — if your business has assets, we can build a lending facility around them.
From Asset Audit to Active Credit Line
Asset Assessment
We evaluate your eligible collateral — accounts receivable aging, inventory quality, equipment appraisals — to determine your borrowing base.
Facility Structuring
We design the right facility type: revolving line of credit, term loan, or hybrid structure, matched to your cash conversion cycle.
Lender Placement
We present your collateral package to ABL-specialist lenders who understand asset-intensive businesses and price risk accordingly.
Term Negotiation
Advance rates, field exam frequency, reporting covenants — we negotiate every term to minimize operational burden on your team.
Documentation & Legal
We coordinate with legal counsel to review security agreements, UCC filings, and intercreditor arrangements for a clean close.
Ongoing Management
Post-close, we remain available to help you manage borrowing base certificates, lender reporting, and facility amendments as your business evolves.
What Assets Are Sitting Idle on Your Balance Sheet?
Let our team assess your collateral and show you exactly how much capital you could unlock — at no cost and no obligation.