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Asset Based Lenders
Welcome to our comprehensive directory of asset-based lenders, your one-stop resource for navigating the diverse landscape of commercial finance. Whether you're seeking invoice factoring, equipment financing, real estate-backed loans, or other specialized lending solutions, you've come to the right place.
Asset-based lending (ABL) offers a dynamic approach to financing, allowing businesses to leverage their assets as collateral. This versatile funding method can provide the working capital needed to fuel growth, manage cash flow, or weather economic uncertainties13.
Our curated list includes a wide array of lenders specializing in various asset classes and industries. From accounts receivable and inventory to equipment and real estate, you'll find partners ready to structure deals that align with your unique business needs
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Unlike other factoring companies, they're a bank.
Founded in 1936, The Southern Bank has served as a reputable and reliable community lender in its Northeast Alabama footprint for over 80 years.
Factoring with a bank has its benefits. We’re a direct source of funds, whereas our competitors are middlemen between you and their senior lender. That increases their cost of funding your invoices. Without those additional borrowing costs, we can pass our savings on to you.
Looking for the highest degree of flexibility? Invoice factoring gives you the freedom to sell open invoices and receive cash for a set discount fee.
Rev Capital
We are the leading provider of full-service factoring services in Canada and the United States, with seven offices across North America. We support thousands of businesses with invoice management, credit underwriting, and collection services. By offering dedicated support and transparent access to the factoring process, we help our clients grow their operations, maintain their competitive edge, and become leaders in their industries.
At REV Capital, doing business with full transparency isn't just a selling proposition, it's a core belief. That’s why we offer our clients complete visibility into every transaction on their account.
Find out when your receivable is closed, whether we've received non-funded payments, and how much you pay on every invoice.
If you ever need any clarification, your Client Relationship Manager is always a phone call away.
Drip Capital
Drip specializes in efficient working capital solutions, offering both payable and receivable finance solutions. While our core expertise lies in financing international trade, we extend our services to facilitate domestic transactions within a country. Our goal is to provide seamless underwriting and financing options for businesses of all sizes, catering not only to SMEs but also to large enterprises.
Utilizing technology, we aim to transform the landscape of working capital solutions, making it accessible and straightforward for businesses, regardless of their scale, to meet their financial needs.
We pay your domestic and international vendors. You pay Drip up to 120 days later.
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Up to $3 million USD
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Get funded in 24 hours
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No prepayment penalties
FundThrough
FundThrough is a leading fintech company that enables businesses to access unlimited capital based on the value of their outstanding customer invoices. Its platform lets businesses connect their accounting software and directly submit invoices for funding.
On average, FundThrough improves its clients’ cash flow position by reducing their wait time by 97%. The company serves clients across the United States and Canada.
FundThrough is the most powerful invoice funding platform that lets you access capital on your terms.
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Stop Waiting for Payments
FundThrough's invoice funding platform lets you access working capital that's tied up in accounts receivable due to slow-paying customers.
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Take On Large Clients
Have full confidence knowing you can unlock the full value of your unpaid customer invoices. Fill larger orders and take on bigger customers, on your terms.
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​FundThrough provides a dedicated support team to help you identify funding opportunities and help your business grow. Your success is the true measurement of our own.
1st Commercial Credit
At 1st Commercial Credit, they realize that financing the growth of your business can be a challenge. Newly developed or established businesses selling on credit terms will eventually need more working capital due to growth.
If your credit sales to commercial accounts have created a cash flow shortage in your business, then your company will benefit the most by utilizing our invoice financing service. Business owners realize that there is no need to borrow money from a bank in order to offer credit terms to customers.
Financing & Asset-Based Lending
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Higher Advance Rates than Banks
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No financials required
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3 to 5 day initial setup
Acceptable collateral for most asset-based loans (ABLs) includes accounts receivable, inventory, business equipment, and factory machinery. Appropriate inventory may be both finished goods and marketable raw products. In some instances, lenders may request certain personal assets of business owners as collateral.
Triumph Business Capital
For almost two decades, Triumph Business Capital has provided invoice factoring to thousands of businesses and transportation companies. At their core, they are in the business of helping people Triumph and they know their success is measured by the value they bring to each of our relationships.
The strength of their commitment is reflected in product innovation, the strong strategic partnerships they’ve established, and the clients who have allowed them to help others achieve a better financial life.
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INVOICE FACTORING FOR TRANSPORTATION
Get paid the same day while Triumph takes care of invoicing and collections for you.
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FLEET FACTORING
You need a partner that is sized to scale and focused on your drivers getting paid on time. Our integrated solutions give you access to truck insurance, fuel savings programs and equipment financing.
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FREIGHT BROKER FACTORING
We know managing cash flow, protecting your credit rating and securing truck capacity is top of mind. Fast financing from Triumph protects your shipper relationships, gets your carriers paid fast and guides you on your path toward success.
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LSQ
LSQ expands access to financing with an end-to-end platform that provides on-demand access to capital and seamless management of invoices & payments.
LSQ FastTrack™ enables faster, more transparent decision-making, payment certainty, and risk mitigation—all through an intuitive interface. Easy to implement, FastTrack accelerates the delivery of working capital.
With over $25 billion in funds deployed over the last 25 years, LSQ understands how business gets done, ensuring success for enterprises of all sizes.
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LSQ will pay up to 90% of your invoice within 24 hours, and the remaining amount is paid on the due date.
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Access credit facilities up to $50MM to scale with your business’s growth.
Get same day funding by freeing up cash trapped in unpaid invoices.
Universal Funding Corp
Universal Funding will turn your unpaid invoices into cash through invoice factoring. Apply online in minutes and get the capital you need to grow your business.
Factoring rates can vary from below one percent to over five percent of the face value of the receivable. Universal Funding’s fee can be as low as 0.55%. They will typically advance from 80 – 95% of your accounts receivable.
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Funding within 24 hours
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Rate as low as 0.55%
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$25,000 - $5,000,000 Invoice Credit Line
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Apply online in minutes
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No hidden fees
Gateway Commercial Finance
Gateway Commercial Finance’s goal is to become a strategic partner by offering an array of financial products to pre-bankable businesses.
Whether they lack the operating history or present financial condition to qualify for traditional financing, Gateway Commercial Finance may have a solution.
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Sell Your Outstanding Invoices to Get an Instant Cash Flow Boost
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GCF customer retention rate is 1.9 times the industry average. They offer 30-minute application approval, low rates, high advances and 24-hour funding.
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Don’t wait 30, 60 or 90 days for your customers to make payments anymore. Learn how to turn your debtors into assets. Sell your outstanding accounts receivables to GCF and get fast cash flow funding.
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Currently offering accessible and quick cash flow solutions to businesses in most fields up to $5,000,000.
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GCF application process is simple, and we offer same day account approval. Their rates are the most competitive in the industry and they are ready to work for you to put cash in your company's bank account quickly!
CapFlow Funding Group
CapFlow Funding Group is a New Jersey private commercial lending platform specializing in factoring, accounts receivables and inventory financing, purchase order funding as well as other asset-based lending solutions. The three managing partners of CapFlow each bring to the table more than 60 years of institutional investment banking experience in the credit and asset-based lending markets.
CapFlow provides financing solutions to our clients that allow for growth and provide immediate liquidity to pay suppliers, vendors, and employees. In addition to providing needed working capital,
CapFlow solutions help create operating efficiencies in accounts receivable management, allowing our clients to devote more of their time and resources to running their business and delivering their products and services.
NuBridge Commercial Lending
The mission at NuBridge is to be your business partner and lending solution by offering premier commercial loan product and program options, competitive rates, and excellent customer service.
Commercial Bridge Loan Specialist
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12-24 months from $1,000,000 to $10,000,000
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No Recourse, No Appraisal, NO Credit Check, No Financials. Non-Stabilized-Property,
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Close in 21-28 Days
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Nationwide Direct Lender - they service all their Loans.
Tell them about the loan you are seeking and they'll find value by weighing the strengths of the property, its cash flow, and the borrower. You’ll have options with a direct lender who can see the uniqueness of every lending opportunity and if what they have to offer is right for you.
They protect their brokers with:
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Low deposit fees
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No appraisal needed
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No restrictions on broker fees
Brookview Financial, Inc.
Brookview is a seasoned boutique private lender providing creative quick-close financing solutions for your real estate projects.
Founded in 1992, they have been the trusted capital partner to thousands of real estate investors nationwide. They offer personal service, flexible terms and creative solutions.
Their direct loans provide acquisition and improvement funding ranging from residential fix & flip to larger commercial bridge projects up to $50 million. They can close as fast 10 days. They are nimble, flexible and exceptionally responsive.
Loan Types:
Fix and Flip
Commercial Bridge
Mezzanine
Construction Discounted Note Purchases
North Avenue Capital
North Avenue Capital is a nationwide direct lender focused on funding the flourishing of rural America in partnership with USDA Rural Development’s business loan programs.
Fueled by a talented team and unwavering commitment to excellence, NAC was recognized as America’s #1 USDA Business & Industry lender in 2020 and one of Inc. magazine’s 5000 fastest growing companies in 2021.
Loans Starting at $2 Million
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North Avenue Capital’s suite of loan programs offers competitively priced solutions for commercial enterprises primarily in areas with populations under 50k
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They serve startups, new construction, refinance, business acquisition, and business expansion.
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The USDA loan programs they facilitate offer funding to rural employers and entrepreneurs, those building community facilities, investing in renewable energy, and those involved in the food supply chain.*
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Robust, easy-to-use catalog of broker resources that take the guesswork out of describing our niche offering
Liberty SBF
Liberty SBF is a national commercial real estate lender specializing in Conventional and SBA 504 loans for owner-user properties and bridge loans for investors.
Since 2011, Liberty SBF has funded over $2 billion in loans to small and medium businesses as well as commercial property investors. Whether you’re a business owner or broker, they provide low-cost financing to operating businesses for commercial real estate and term loans for working capital.
Up to 90% LTV financing for owner-occupied CRE properties. Quick closings
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Low-cost financing for small and medium businesses
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Flexible, custom loan options for specific business cases
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Fast, transparent and secure online loan application
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Access to a real human to help you navigate the process
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Options for multifamily / commercial property investors
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Wilshire Finance Partners
Formed in 2008, Wilshire Finance Partners, Inc. (“Wilshire”) is a direct portfolio bridge lender that funds loans secured by multifamily (5+ units), commercial real estate, and senior housing facilities.
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Wilshire uses its balance sheet to deliver fast and efficient closings.
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Property Types
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Apartment / Multifamily (5+ units)
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Mixed Use
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Self-storage
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Warehouse/Light Industrial
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Senior Living
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Healthcare Real Estate/Medical Office Buildings
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No land, development, rural, or tertiary
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Transaction Types
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Purchase
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Refinance
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Cash Out Refinance
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Stabilization
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1031 Exchange (forward and reverse)
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Special Situation Lending (e.g. debt restructuring, discounted payoffs and others)
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RCN Capital
RCN Capital, LLC was established in 2010 to provide time-sensitive, bridge financing to real estate investors to fund the purchase of non-owner occupied residential and commercial properties, provide bridge loans, and provide real estate-backed lines of credit.
Formed towards the end of the recession, RCN Capital has benefited from a turbulent housing market in which many real estate investors see great opportunity. A lack of liquidity in the credit markets and increased regulation of the banking industry has restricted conventional financing as an option for investors in fast-moving and competitive real estate markets.
As the nation’s premier direct private lender, RCN Capital helps fill this void. As a direct, private lender, RCN Capital takes a common-sense approach to underwriting, with all approvals made in-house. They are dedicated to providing quick responses to time-sensitive loans, oftentimes with the ability to close in as few as 10 business days.
At RCN Capital, they value referrals and our brokers are protected. They are committed to the highest level of customer service, because our success lies in building relationships.
Loan Types:
Fix and Flip
Bridge
Rental
'Hard money'
RCN Capital offers simple referral options for brokers.
iBorrow
iBorrow is a nationwide direct lender that provides bridge loans on all commercial real estate property types to borrowers who are looking for a fast, flexible and reliable financing option. They offer individually structured bridge lending solutions for borrowers of all commercial property types from $2 - $30 million, across the United States.
They are a non-recourse lender, other than for bad-boy and certain other qualifying events.
Quick and Reliable Closing
iBorrow closes deals quickly and reliably within 2-4 weeks, while banks and other traditional lenders average 90 days or longer to close a deal
Flexible Capital
iBorrow works with business owners and real estate operators, who are under-served by traditional financial institutions, to provide unique private financing solutions tailored to individual borrower needs.
Funding Sources
iBorrow manages an investment fund in addition to having a deep and broad pool of institutional capital sources.
Credit / Cash Flow Issues
We fund loans for borrowers with sub-standard credit scores and on pre-cash flow properties. We prioritize the value of borrower’s collateral over credit score and cash flow.
Loan Types
Refinancing, Repositioning, Value-Add
Knighthead Funding
Knighthead Funding, LLC is a real estate finance company specializing in loans for acquisition, renovation, construction, and refinancing secured by a broad range of real estate assets.
Real estate financing up to $100MM+
TRANSACTION TYPES: Acquisitions, Refinancing, Construction/Rehab, Pre-Development, Value-add/Transitional, Limited or Non-cashflowing, Time Sensitive Closings, Condo Inventory, Bank Turndowns
LOAN-TO-VALUE - Up to 75% of Stabilized Value
INTEREST RATES - Starting at L+3.75, Fixed Rates Available
TERM - Bridge, 3 year and 5 Year Terms Available
CLOSING TIME - 1 to 2 Week Closings Available
COLLATERAL - All types of Real Estate Considered
Maxim Capital Group
Maxim Capital Group is a leading direct commercial real estate bridge lender. Based in New York, with a nationwide presence, they originate, service, and asset manage event-driven CRE bridge loans. With five discretionary investment vehicles, their investor base includes insurance companies, pension funds, endowments, family offices, and ultrahigh net worth individuals.
With over $2.5B of loans issued since inception, our underwriting is focused on basis, sponsorship, alignment of interest, and capital preservation.
Loan Types:
Value Add
AMOUNT
$10-100 million
LIEN POSITION
First Mortgages
INTEREST RATE
Starting at 5%, Interest-Only
LOAN TO VALUE
65%
TRANSACTION TYPES
Traditional acquisition/recapitalization, performing collateral assignment, value-add repositioning, pre-development, and light transitional business plans.
Bridge Loans
AMOUNT
$2-50 million
LIEN POSITION
First & Second Mortgages and Mezzanine Loans
INTEREST RATE
Starting at 7%, Interest-Only
LOAN TO VALUE
65%
TRANSACTION TYPES
Note/NPL acquisition financing, debtor-in-possession financing, special situations, time sensitive closings, partnership restructuring and ground-up construction.
Ready Capital
Ready Capital (NYSE: RC) is a multi-strategy real estate finance company that originates, acquires, finances and services small- to medium-sized balance commercial loans.
They specialize in loans backed by commercial real estate, including agency multifamily, investor and bridge as well as SBA 7(a) business loans.
Ready Capital provides short-term, non-recourse bridge and mezzanine loans nationwide on transitional, value-add and event-driven commercial and multifamily real estate. They lend up to $45 million (larger for select assets and portfolios) for middle-market and institutional commercial real estate sponsors, and larger on a case-by-case basis.
They provide floating and fixed-rate terms to 5 years for:
multifamily, office, retail, industrial, mixed-use, self-storage, student housing, hospitality, residential and commercial condo, and specialty use properties.
They consider the full range of value add strategies and deliver structured finance solutions backed by experienced bridge lending professionals.
Ready Capital offers fixed rate permanent loans to $25 million for multifamily, office, retail mixed use, self-storage, industrial and select other property types.
As a non-bank capital source, they bring speed to the commercial lending process and help borrowers capitalize on more opportunities.
Ready Capital is one of the few non-bank commercial mortgage lenders providing financing nationwide.
Ready Capital is an approved Freddie Mac SBL seller/servicer, providing small balance loans from $1 million up to $7.5 million with both fixed- and hybrid- rate structures.
They provide capital for acquisition, refinancing and cash-out requests, and take pride in delivering quick closings backed by flexibility and common-sense underwriting.
CV Capital Funding
CV Capital Funding, LLC (“CVCF”) is a commercial real estate direct lender with nationwide coverage that offers loans for acquisitions, refinancing, restructurings, discounted payoffs, lease-up stabilizations, and other special situations.
CVCF is a balance sheet lender and utilizes its own capital to fund loans for a wide range of commercial real estate asset classes. CVCF also has extensive relationships and strategic partners, including private equity funds and institutional lenders, that allow them to competitively consider deals beyond their core size.
CV Capital Funding takes the responsibility to add value and maximize their client’s potential. They take great pride in accepting each project by carefully noting our client’s objectives and expectations so that we may ensure the best service possible.
Loan Types:
Acquisitions
Equity Recapture
Refinance
Renovation
Assets Type:
Condo Inventory, Hotels/Hospitality, Industrial, Luxury Residential Investment Properties, Mixed-Use, Mobile Home Parks, Multifamily, Offices, Parking, Retail, and Storage
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