Asset-based lending is a loan structure where a business secures funding by using tangible assets as collateral. These assets can include inventory, machinery, real estate, or accounts receivable. The lender evaluates the value of the assets and extends credit based on a percentage of that value, typically advancing between 70 to 90 percent. It is commonly used by companies with strong asset portfolios but limited access to unsecured credit.

If your business is rich in equipment or inventory but needs cash to manage growth, asset-based lending unlocks value from what you already own. It lets you cover expansion, payroll, or production runs without waiting on cash inflows or selling off equity. This option is especially helpful when traditional unsecured loans are out of reach, but you still have operational leverage.

At Aranea Capital, we help you navigate asset-based lending with clarity and confidence. We connect you to lenders who take the time to understand your business, accurately value your assets, and structure repayment terms that keep you moving forward. We act as your advocate from evaluation through closing, turning your assets into multiple forms of capital.