Business Loans
Leverage What You Own to Unlock What You Need
In today’s economy, having strong assets doesn’t always guarantee access to working capital. Many successful businesses struggle to secure traditional financing—not because they lack value, but because they don’t meet narrow criteria set by conventional lenders. Banks often prioritize rigid credit scores, long operational histories, or burdensome covenants, leaving even profitable companies without a viable solution when capital is needed most.
That’s where asset-based lending changes the game.
According to the Secured Finance Network’s 2022 Annual Review, asset-based lending reached more than $500 billion in outstanding commitments in North America alone. This form of financing continues to grow, especially among small to mid-sized businesses seeking liquidity without giving up equity or control. At VIP Capital Funding, we specialize in helping companies tap into the value they’ve already built—equipment, inventory, accounts receivable, and more—to secure the capital they need to thrive.
Whether you’re managing seasonal swings, financing growth, or bridging a short-term gap, asset-based lending is a reliable and responsive way to unlock working capital without compromising your business’s future.
Turning Assets Into Action
Asset-based lending (ABL) is a financing solution secured by collateral you already own. These assets can include accounts receivable, commercial inventory, equipment, real estate, or even intellectual property. Lenders evaluate the value and liquidity of your assets rather than focusing solely on your credit score or profitability. If your business owns valuable, verifiable assets and generates steady revenue, you’re likely eligible for asset-based financing—even if you’ve been turned down for traditional loans.
The power of ABL lies in its flexibility. Unlike conventional term loans, which provide a lump sum with fixed repayment terms, asset-based loans often function as revolving lines of credit. That means your borrowing power can increase as your asset base grows. When your receivables climb, or your inventory expands, your available credit line follows—giving you the kind of responsive financial tool that adapts to your business cycle in real time.
At VIP Capital Funding, our asset-based lending solutions are structured to support cash flow, not disrupt it. We work quickly and transparently to determine asset value, structure the financing, and deliver funds in a timeline that keeps you moving forward.
Built for Businesses with Real Value
Too often, healthy businesses get boxed out of funding simply because they don’t check off a traditional lender’s predefined list. That’s not how we operate. At VIP Capital Funding, we understand that business value comes in many forms—not just in net income or credit scores. If you’ve invested in your operations, scaled your inventory, or built a book of consistent accounts receivable, your business has real financial leverage. We help you use it.
Asset-based lending works particularly well for industries where high-value inventory or outstanding invoices are a regular part of business. Manufacturing, logistics, wholesale, and B2B service providers are just a few of the sectors where ABL provides much-needed breathing room. That said, we don’t believe in one-size-fits-all financing. Our underwriting process is designed to consider the unique nature of your business, your operational goals, and your current asset base. If you have value, we’ll help you unlock it.
More importantly, we keep the process straightforward. From initial application through funding, you’ll have a dedicated team explaining every step, answering every question, and ensuring the structure of your loan fits the rhythm of your business—not the other way around.
Risk Managed, Opportunity Maximized
One of the most overlooked benefits of asset-based lending is the way it allows businesses to fund themselves without giving up control. You’re not selling equity, you’re not signing away your future profits, and you’re not locking yourself into a fixed repayment plan that ignores the ups and downs of real business operations.
Instead, you’re leveraging what you already have. This not only keeps you in control, it lowers the risk of overleveraging or taking on unmanageable debt. Because the loan is secured by your assets, interest rates are typically more favorable than unsecured credit. And since repayment terms are tailored to your cash flow cycle, you avoid the financial whiplash that often accompanies rigid lending agreements.
Our team ensures you understand the terms, implications, and structure of your asset-based loan before anything moves forward. Transparency is not a selling point—it’s a requirement. From the moment you apply to the day funds are released, we make sure you feel informed, prepared, and empowered.
A Process Built for Efficiency and Clarity
Speed matters, but clarity matters more. That’s why we’ve designed our asset-based lending process to be as efficient as it is thorough. We start by evaluating your assets, including recent financials, current inventory records, receivables aging reports, and any other data that speaks to your business’s real value. Our team then works with you to structure a financing solution that meets your current needs while leaving room for future flexibility.
Once approved, you can typically expect funding in a matter of days—not weeks. And you won’t be left in the dark. We assign dedicated funding specialists who stay with you from start to finish, offering clear communication, responsive service, and practical guidance every step of the way.
This isn’t banking-as-usual. It’s strategic, asset-based lending built for companies that need action—not red tape.
Move Forward with Confidence
When traditional lenders say no, asset-based lending offers a different path forward. It’s not about your past—it’s about the value your business holds right now. VIP Capital Funding is here to help you make the most of it.
We bring the experience, expertise, and integrity required to structure financing that works—for your balance sheet, your growth goals, and your long-term vision. With asset-based lending, you can keep operations running smoothly, seize time-sensitive opportunities, and build financial momentum without waiting for permission from outdated institutions.
Let’s put your assets to work—and help your business move with confidence into what’s next.
