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Every business needs steady capital, but not all have the time to wait for lengthy loan approvals. Con préstamos basados en activos (ABL), you can unlock working capital by borrowing against the value of your receivables, inventario, equipo, or real estate.
What Is Asset Based Lending (ABL)?
Unlike traditional loans that rely heavily on credit history, ABL is secured by the assets your business already owns. That makes ABL funding a flexible option for established companies that may experience seasonal swings or inconsistent cash flow.
Los Estados Unidos. asset-based lending market is valued at over $500 mil millones, proving it’s a trusted, mainstream solution for companies that want reliable capital to manage payroll, fund growth, and seize new opportunities.
Factores de contactos comerciales & Finanzas hoy to find the right asset based lending solution. With ABL, you access funds without giving up equity or waiting months for approvals, so you can move your business forward on your terms.
Cómo Lending activo basado Obras
Obtenga los fondos que necesita, Cuando los necesitas
Starting with Business Factors is quick and seamless. Asset-based lending transforms your existing assets into reliable working capital that fuels payroll, operaciones, y crecimiento.
Así es como funciona:
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Evaluate Assets
Your lender reviews your accounts receivable, inventario, equipo, or property to determine borrowing capacity.
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Establish a Credit Line
Based on asset value, the lender provides a revolving credit line or term loan, often advancing 70%–90% of receivables and 50%–70% of inventory.
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Retirar fondos según sea necesario
Use your available line of credit to cover expenses, seize growth opportunities, or stabilize cash flow.
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Repay and Re-borrow
As customers pay invoices or assets are replenished, funds become available again, creating a continuous cycle of accessible capital.
Costos y tarifas
Understanding the Price of Asset-Based Lending
Asset based loan financing is generally more affordable than unsecured financing, but costs vary depending on your assets, industria, y términos del prestamista. Most lenders and asset based lending companies charge an interest rate plus administrative fees for monitoring, collateral reviews, or legal work.
Knowing exactly how these fees are structured helps you anticipate your total expense and manage cash flow effectively.
Cómo Asset-Based Lending Fees Están estructurados
When evaluating the cost of asset-based lending, it’s important to understand that fee structures can vary depending on the lender and the specifics of your loan. While interest rates are a primary cost, lenders may apply additional fees tied to how your loan is monitored and managed.
Dos enfoques comunes incluyen:
- Interest-Based Model: Rates are applied to your outstanding balance, similar to a traditional loan.
- Fee-Based Model: Additional charges may apply for services like audits, appraisals, or lockbox management.
Both models are transparent when you work with the right lender, but it’s important to clarify the details upfront.
Here’s a look at how different fee structures can affect the total cost of your asset-based loan.
EJEMPLO 1: Borrowing Against Receivables
A company has $500,000 in eligible accounts receivable. With an 85% velocidad de avance, the borrowing base is $425,000.
Credit line: $425,000 Interest: 12% annually Matrícula: 1% compromiso + 0.5% monitoringIf the company draws $200,000, they pay interest only on that balance. As invoices are collected, the available borrowing base grows again.
EJEMPLO 2: Borrowing Against Receivables and Inventory
A manufacturer has $200,000 in receivables (85% = $170,000) y $150,000 in inventory (50% = $75,000, capped at $50,000).
Borrowing base = $220,000 Credit Limit: $250,000 Interest Rate: 12.5% annuallyThe company borrows $150,000 to buy raw materials. As receivables are collected, the borrowing base refreshes, giving them ongoing access to working capital.
Tarifas ocultas y cómo evitarlas
As you compare asset-based lending proposals, it’s important to look beyond the headline interest rate. Muchos acuerdos incluyen costos adicionales que pueden no ser obvios desde el principio., pero puede aumentar significativamente su gasto total de préstamo.
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Collateral Monitoring and Audit Fees
Lenders often require regular audits, field exams, or appraisals of your collateral (como cuentas por cobrar, inventario, o equipo). These costs can add up quickly, especially if audits are frequent.
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Unused Line Fees
Some lenders charge a fee if you don’t borrow up to a certain percentage of your credit line each month. While the fee may seem small, it can become expensive if your borrowing needs fluctuate.
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Tarifas administrativas y de transacción
Costos adicionales, such as processing fees, lockbox services, transferencias bancarias, o documentación legal, can increase your total credit cost.
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Contratos a largo plazo o sanciones por terminación anticipada
Certain agreements lock you into multi-year terms. Salir anticipadamente puede generar fuertes sanciones, so it’s important to review contract terms carefully.
Consejos prácticos para evitar tarifas ocultas
To keep borrowing costs under control and maximize the value of your asset-based loan, considere estas estrategias:
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Aclare todas las tarifas por adelantado
Ask for a comprehensive breakdown of every potential fee, including collateral monitoring, unused line fees, audit costs, and legal or administrative charges.
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Trabaje con un prestamista transparente
Choose a lender with a reputation for clear pricing, practicas justas, y fuertes críticas de los clientes. Un socio confiable reduce el riesgo de gastos inesperados.
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Track Loan Usage and Collateral Reporting
Stay on top of how much of your credit line you’re drawing and how your collateral is being monitored. Careful tracking helps you avoid unused line fees, surprise audit charges, or disputes over collateral values.
Por qué su empresa necesita Lending activo basado
Put Your Assets to Work for Immediate Growth
If your business has valuable receivables, inventario, or equipment but faces cash flow gaps, asset-based lending provides the capital to meet payroll, comprar materiales, and cover expenses, without waiting on client payments.
ABL isn’t a last resort. It’s a flexible financing strategy that grows with you. As your assets increase, your borrowing base expands, giving you more working capital to reinvest in growth and seize opportunities.
Don’t let untapped assets sit idle. Unlock their value through asset-based lending and keep your business moving forward.
Industrias que se benefician Lending activo basado
Resolviendo desafíos de flujo de caja en múltiples sectores
Here’s how asset-based lending solutions help businesses across these industries overcome cash flow challenges and remain financially stable.
Facturación de facturas de flete y transporte por carretera
dotación de personal, Factoring Laboral y de Nómina
Financiación de fabricación
Factoring de producción agrícola y alimentaria
Financiamiento de tecnología y TI
Financiamiento de petróleo y gas
¿Qué modelo? Se adapta a las necesidades de su negocio?
When it comes to asset based lending vs factoring, both provide fast access to working capital. sin embargo, they differ in flexibility, riesgo, and how they use your assets to secure funding.
Factorización
Lending activo basado (ABL)
Factoring allows businesses to sell their outstanding invoices to a factoring company in exchange for immediate cash. This financing option is based on the creditworthiness of your customers rather than your company’s overall financial strength.
Beneficios del factoraje
Some key advantages of factoring include:
- Acceso rápido a efectivo sin esperar a que los clientes paguen.
- Approval is primarily based on customer credit, no el balance de su empresa.
- Los cobros y el seguimiento del crédito suelen estar a cargo de la empresa de factoring., saving your team time.
- Useful for businesses with slow-paying but creditworthy customers.
Riesgos comunes asociados con el factoring
A pesar de sus ventajas, factoring also comes with challenges:
- Factoring fees may be higher compared to traditional financing.
- Your customers are aware of the factoring arrangement, que puede afectar las relaciones.
- Reliance on customer credit quality means invoices from weaker clients may not qualify.
- Frequent use may lead to dependency on factoring for cash flow.
Los préstamos basados en activos son una línea de crédito renovable garantizada por los activos de su empresa., como cuentas por cobrar, inventario, o equipo. En lugar de vender facturas, your business borrows against the value of these assets.
Beneficios de los préstamos basados en activos
Some key advantages of ABL include:
- Proporciona flexibilidad, ongoing access to capital as your assets grow.
- Typically offers lower financing costs than factoring.
- Keep customer relationships private since collections remain under your control.
- Allows borrowing against a wide range of assets, no solo facturas.
Riesgos comunes asociados con los préstamos basados en activos
While ABL offers flexibility, it’s not without challenges:
- Requires strong internal financial reporting and frequent collateral audits.
- Approval may be stricter, focusing on your company’s financial stability and asset quality.
- Borrowing base may fluctuate depending on the value of your receivables, inventario, or other pledged assets.
- Failure to maintain collateral value can limit available credit or trigger repayment.
Turn What You Own Into Capital de trabajo
Traditional financing can be slow and restrictive. Asset based lending companies like Business Factors & Finance unlock the value in your assets, giving you fast, flexible ABL funding without the usual roadblocks.
Reach out today to work with a team that knows how to turn your assets into opportunity.
Preguntas frecuentes
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Is asset-based lending a loan?
Sí. Asset-based lending is a type of secured loan that allows your business to borrow against valuable assets like accounts receivable, inventario, o equipo. Instead of relying only on credit history, lenders use your assets as collateral.
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¿Qué pasa si mi empresa no puede pagar el préstamo??
Since ABL is secured, the lender may take possession of the pledged assets (such as receivables or inventory) to recover the balance. sin embargo, lenders work closely with businesses to structure repayment so that disruptions are minimized.
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Will using ABL make my business look financially unstable?
De nada. Many healthy, growing companies use asset based lending to access working capital quickly, especially when traditional loans are harder to secure. It’s viewed as a smart financing tool, not a red flag.