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Asset-based Lending

Borrowing against your business assets such as inventory, machinery or receivables can provide a flexible, fast and efficient means to raise funds to harness business opportunity, restructure existing financing or meet your seasonal business needs. 

What is asset based lending? 
 
  • Asset-based lending (ABL) takes a holistic view of a business’s assets, such as receivables, inventory, property, and plant and machinery, to optimise its working capital and financing potential
  • ABL can provide a flexible financing solution linked to the revolving nature of your business – often with less onerous debt servicing obligations than conventional debt.

How can asset-based lending support your business?

  • Funding looks beyond your historical performance to consider specific short and longer-term business objectives – for example, acquisitions, loss of a major shareholding or resourcing for seasonal peaks
  • UK companies are increasingly looking to structured cashflow lending to drive their business growth, providing an alternative to traditional bank loans and overdrafts
  • Asset-based lending offers a powerful financing solution for mid-sized and larger companies seeking to maximize the value of their assets, achieve greater liquidity and pursue new growth opportunities
  • Lending solutions are available in multiple currencies.
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Insight

Funding Expansion

Understand how Asset Finance and Asset-Based Lending can be used as alternatives to traditional loans and overdrafts.

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Insight

Asset-Based Lending Insights

Asset Based Lending Insights bring together our regional experts to provide an overview on the solutions we’re providing for businesses across the UK. 

Is asset-based finance right for you?

Asset-based lending can be particularly suitable for:

  • Growth companies where funding requirement outstrips equity/retained earnings/EBITDA
  • Businesses with distinct seasonality, for example where a build-up of inventory is required to support a seasonal selling period
  • ‘Cash out’ or ‘long-term use’ situations, such as management buy-outs, funding dividends or acquisitions, export credit agency (ECA) financing
  • Restructuring existing funding arrangements.
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Contact us

Get in touch

To discuss your business requirements and how Barclays can support you, contact us today.

Important information

The products referred to in this webpage are subject to separate terms and conditions.