Asset Based Lending it
Turn your assets into working capital.
Traditional lenders focus on credit scores and financial statements. Asset-based lending focuses on what your business already has – inventory, equipment, and accounts receivable – and turns that value into immediate capital. Faster to qualify for, with borrowing capacity that grows as your business grows.
1-5 yr
Typical Loan Terms
Scalable
Grows With Your Assets
Fast
Access to Funds
Free Consultation
Let's assess your assets and find the right structure.
Asset-Backed
Collateral-secured funding
Scalable
Grows with your asset value
Lower Rates
Than unsecured borrowing
No Equity
Retain full business ownership
What Is It
Your balance sheet already has capital inside it.
Asset-based lending is a financing structure where your business borrows against the value of assets it already owns. Instead of a bank evaluating your credit history, the lender evaluates what your assets are worth and extends a loan based on that value.
This makes it significantly easier to qualify for than traditional loans – especially for high-risk industries like CBD, kratom, cannabis accessories, and firearms, where standard lenders apply blanket restrictions regardless of how strong the business actually is.
As your business grows and your asset base increases, your borrowing capacity can expand with it. You do not need to refinance or reapply – the line scales with you.
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Inventory
Product stock, raw materials, finished goods
50-80%
of value
📄
Accounts Receivable
Outstanding invoices and customer payments
70-90%
of value
⚙️
Equipment
Machinery, vehicles, manufacturing assets
50-75%
of value
🏢
Real Estate
Commercial property owned by the business
Varies
by situation
Benefits
Ten reasons businesses choose asset-based lending.
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Unlock Capital Quickly
Turn inventory, equipment, or receivables into immediate working capital - without waiting weeks for a traditional loan decision based on credit alone.
🔄
Flexible Financing Options
Leverage inventory, equipment, receivables, or a combination. The structure adapts to what your business actually has - not a rigid one-size product.
✅
Higher Approval Rates
Easier to qualify for than traditional loans, especially for high-risk industries like cannabis, CBD, kratom, and firearms. Approval is tied to asset value, not credit profile alone.
🔒
Reduces Unsecured Debt
Use your existing assets to secure funding instead of taking on unsecured debt. Reduces your overall cost of capital and preserves your business's credit profile.
💰
Competitive Interest Rates
Lower rates than unsecured loans. The collateral backing reduces the lender's risk, and those savings pass through to your interest cost.
📈
Scalable Borrowing Capacity
As your business grows and asset values increase, your borrowing limit can grow with them. Ongoing financial support that scales with your operations.
🚀
Streamlined Approval Process
Green Financial's process is built for speed. Asset evaluation moves faster than traditional underwriting, so you get capital when you actually need it.
🏢
Retain Full Ownership
Asset-based lending does not require you to give up equity or shares in your business. You use your assets to borrow - that is it. Ownership stays yours.
🏭
Built for High-Risk Industries
Green Financial specializes in funding for businesses that standard lenders won't work with. Your industry is not a disqualifier here.
🌱
Supports Growth
Whether you are expanding operations, purchasing new inventory, or covering operational costs during a growth phase, the capital is there to support it.
How It Works
From asset assessment to capital in your account.
The process is straightforward. Here is what happens from first contact to funded.
01
Asset Assessment
We evaluate your eligible assets - inventory, receivables, equipment - to determine their current value and what can be used as collateral.
02
Loan Structuring
Based on asset values, we structure a loan amount and repayment terms that fit your business's cash flow and timeline.
03
Approval
Faster than traditional loan approval because the focus is on asset value rather than extensive credit analysis. High approval rates for legal businesses.
04
Funds Released
Once approved, funds are accessible quickly. As you repay, and as your assets grow, your borrowing capacity can increase without reapplying.
Asset Based vs. Unsecured
Which structure fits your situation?
Both are viable funding options – the right one depends on your asset base and what you prioritize.
Collateral-Secured Funding
Lower interest rates – collateral reduces lender risk, which reduces your cost.
Higher credit limits – amounts tied to asset values, which can be substantial.
Scalable capacity – borrowing grows as your asset base grows.
Assets pledged – lender can claim assets if repayment fails.
Requires asset documentation – appraisals and valuations needed upfront.
Good for asset-heavy businesses wanting maximum capital at the best rate.
No Collateral Required
Higher rates – no collateral means more risk for the lender.
Typically lower limits – based on creditworthiness rather than asset value.
No assets pledged – nothing at risk if you hit a difficult period.
Faster to set up – no asset valuations or documentation required.
Good for businesses without significant assets, or those preferring not to pledge them.
Also available through Green Financial – see details here.
FAQ
Asset based lending questions.
What is asset-based lending?
What types of assets can be used as collateral?
How does this benefit a high-risk business?
What are the interest rates compared to unsecured loans?
How quickly can I access funds after approval?
What are the repayment terms?
Other Funding Options
Explore other funding structures.
Green Financial offers six funding products. If asset-based lending is not the right fit, one of these may be.
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Unsecured Line of Credit
No collateral needed. Revolving access to capital based on creditworthiness.
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Business Line of Credit
Collateral-backed revolving credit for ongoing operational flexibility.
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AR Financing
Turn unpaid invoices into working capital - get 70-85% of invoice value within 24-48 hours.
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Equipment Financing
Acquire equipment with little to no down payment. Own it when paid off.
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Merchant Cash Advance
Fast lump-sum capital repaid as a percentage of daily card sales.