Asset-based lending for established UK businesses
Unlock working capital from business assets such as invoices, stock, plant, machinery or other eligible assets to support growth, refinancing or change.
- ✓ For UK Limited Companies and PLCs
- ✓ Turnover from £1m to £250m
- ✓ B2B businesses
- ✓ All sectors considered
What is asset-based lending?
Asset-based lending is a type of business finance that can release working capital against eligible company assets, often including invoices, stock, plant, machinery or other business assets.
Instead of relying only on general affordability or unsecured borrowing, asset-based lending looks at the value and strength of assets within the business. These assets may then support a structured lending facility.
Facilities can be used for growth, working capital, acquisitions, management buyouts, refinancing existing facilities, turnaround situations or major business change.
Suitability depends on your asset profile, debtor book, stock value, equipment, trading history, sector and funder criteria.
Best suited to: established businesses with meaningful assets that want to unlock working capital for growth, refinancing, investment or restructuring.
Why businesses use asset-based lending
Asset-based lending can provide structured working capital by using the strength of assets already within your business.
Unlock asset value
Release working capital from eligible assets such as invoices, stock, plant, machinery or other business assets.
Improve liquidity
Use asset-backed funding to strengthen cashflow and support day-to-day working capital requirements.
Support growth
Fund expansion, larger contracts, acquisitions, new stock, equipment purchases or investment plans.
Refinance facilities
Explore refinancing where your current funding structure no longer matches the business’s needs.
Support change
Asset-based lending can support management buyouts, buy-ins, acquisitions or shareholder changes.
Structured funding
Facilities may be structured around multiple asset classes to create a broader working capital solution.
What assets can support lending?
Asset-based lending can be structured around one or more asset classes. The right approach depends on what your business owns, how those assets are valued and how funders assess the strength of the overall facility.
Invoices
Unpaid B2B invoices can often form the core of an asset-based lending structure.
Stock
Eligible stock may support additional funding where it has clear value and suitable controls.
Plant and machinery
Equipment, machinery and other hard assets may be considered depending on valuation and funder criteria.
Other assets
Some funders may consider wider business assets depending on the structure, value and purpose of the facility.
Asset-based lending can support more complex funding needs.
Asset-based lending may suit businesses that need:
- ✓ Larger working capital facilities
- ✓ Funding linked to invoices, stock or equipment
- ✓ Support for growth, acquisitions or investment
- ✓ A refinance of existing finance arrangements
- ✓ Funding for restructuring or major business change
Who we help
Invoice Advance works with established UK B2B Limited Companies and PLCs looking to explore asset-based lending and wider invoice finance options.
- ✓ Growing and established companies
- ✓ Businesses with meaningful assets
- ✓ Companies refinancing or restructuring
- ✓ All B2B sectors considered
How asset-based lending quotes work
The process starts with a simple enquiry and a review of the assets, funding requirement and business objectives.
Initial enquiry
Share your business details, asset profile and what you want the facility to support.
Asset review
The asset classes, debtor book, stock, equipment and wider business profile are reviewed.
Indicative options
Where appropriate, suitable funders can provide indicative structures and facility options.
Next steps
If you want to proceed, funders may request further information and asset detail.
Asset-based lending questions
Common questions from UK businesses considering asset-based lending.
What is asset-based lending?
Asset-based lending is business finance secured against eligible company assets, which may include invoices, stock, plant, machinery or other business assets depending on funder criteria.
How is asset-based lending different from invoice finance?
Invoice finance usually focuses on unpaid invoices. Asset-based lending can be broader and may include multiple asset classes such as invoices, stock, equipment or other eligible assets.
What can asset-based lending be used for?
It can support working capital, growth, acquisitions, management buyouts, refinancing, restructuring, investment or major business change.
What types of businesses use asset-based lending?
Asset-based lending is often considered by established businesses with meaningful assets and a need for larger or more structured working capital facilities.
Can asset-based lending refinance existing facilities?
Yes. Businesses may explore asset-based lending when existing facilities no longer provide the right level of funding, flexibility, service or structure.
Start your Quick Quote
Explore asset-based lending options for your business. It only takes a minute to start your enquiry.