Asset based lending | RBS Invoice Finance


Asset based lending

Release value from your assets to fund growth and increase working capital

 

Security may be required and product fees may apply.

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Add your signposting title here… What is asset based lending?

Asset based lending is an alternative source of finance. It uses the value of your company’s assets – including property, accounts receivables, equipment, and inventory – as collateral for a loan.

Suitable for companies with a turnover of £10 million or more, asset based lending could bridge the gap between expenses and payments – and support seasonal cash flow. It's typically used by high growth businesses with large working capital requirements or marginal cash flow.

We offer asset based lending as a standalone solution or part of a complete funding package. 

How it could benefit you

The increased liquidity provided by asset based lending could benefit your business in a number of ways.

Enable growth

Maintain business as usual while using the extra capital accessed through asset based lending to grow your business. 

Buy quickly when the price is right

Asset based lending brings forward the entire credit cycle for your business. Better access to cash helps you negotiate discounts on the basis of early payment. 

Support fluctuating cash flow

Asset based lending could help maintain cash flow – especially for seasonal industries and businesses who trade in fluctuating markets.

True alternative to traditional debt structures

An ongoing credit facility could give your business flexibility and funding capacity during a restructure. You may also be able to include asset based lending as part of an overall finance package.

Add your signposting title here… Working with you, for you

Client service is at the heart of our business. We aim to develop a partnership with all our customers – because when we understand your goals, we’re better placed to meet your needs.

Our team has extensive experience in corporate finance, and leveraged and acquisition finance. We regularly work with specialist and mainstream financial sponsors and equity houses to manage complex and time sensitive transactions.

We’re proud to have recently won a number of major industry awards, which were voted for by businesses and debt providers.

More about us
Add your signposting title here… Assets you can use to secure credit

From real estate and machinery to inventory and unpaid invoices - there is a whole range of assets available to use as security when raising funds.

Read more on asset types
Case studies

Whistl

Delta Group

BenRiach Distillery

Related products and services

Even if you don't have assets on your balance sheet, we could still help improve your cash flow. Your unpaid invoices could work to your advantage in the same way.

Factoring

Invoice discounting

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