Asset-Based Lending
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Asset-Based Lending in the UK

At Hall Asset Finance, we specialise in providing tailored asset-based lending solutions to meet the unique needs of our clients. Our team of experienced financial professionals works closely with businesses to understand their specific circumstances and develop customised financing options.

Whether you are looking to expand your operations, manage seasonal cash flow fluctuations, or navigate a challenging financial period, our asset-based lending products can provide the support you need.


What is Asset-Based Lending?

Asset-based lending (ABL) is a type of financing that is secured by collateral, which can be various business assets such as accounts receivable, inventory, equipment, or real estate. This form of lending is ideal for businesses that need capital to support growth, manage cash flow, or restructure their operations. By leveraging the value of their assets, businesses can access funds quickly and efficiently.

Types of Asset-Based Lending


Invoice Financing

Invoice financing allows businesses to borrow money against the amounts due from customers. This improves cash flow, supports ongoing expenses, and enables growth by providing immediate funds. It is particularly beneficial for businesses with long invoice cycles.

Equipment/Inventory Financing

Inventory financing helps businesses buy products for sale, using these items as loan collateral. Equipment financing secures loans against new or upgraded machinery, essential in sectors like manufacturing and construction.

Real Estate Financing

This involves loans secured by real estate used by the company. Whether it's a factory, warehouse, or office, real estate financing helps businesses leverage their fixed assets to raise capital, expand operations or refinance existing debts.

Asset Refinancing

Asset refinancing involves a business using its existing assets as security to obtain a new loan. This can be an effective way to access additional finance without impacting the ownership of assets.

A Closer Look at Asset-Based Lending in the UK

Asset-based lending for individuals and businesses provides a flexible financing solution by securing loans against company assets. This approach is more suited to companies requiring working capital to support operations or growth but does not have a credit rating for traditional unsecured lending. The loan amount is determined by the value of the secured assets, offering a safeguard to lenders while providing businesses with access to necessary funds. This method helps in smoothing out cash flow fluctuations and expansion activities, leveraging tangible assets effectively.


Things to Consider for Asset-Based Lending

Benefits of Asset-Based Lending for Small Businesses in the UK

How to Secure Asset-Based Lending?

Asset Evaluation

The value of your business assets is assessed to determine the available credit amount. This comprehensive evaluation provides fair lending terms and enhances the borrowing potential.

Loan Structuring

Following the asset evaluation, a loan is structured based on your business needs and the value of the collateral. This process aligns the loan configuration with your financial strategy.

Collateral Agreement

A formal agreement is established, detailing the assets used as collateral and the terms of the loan. This agreement is legally binding to ensure that all parties understand and agree to the terms.


After the agreement is finalised, funds are promptly disbursed to your business. The swift provision of funds allows for immediate investment in business initiatives aiding in fostering growth and operational efficiency.

What is the Approval Time for Asset-Based Lending?

The approval time for asset-based lending in the UK can vary depending on the complexity of the transaction and the completeness of the documentation provided. Typically, our clients can expect an approval process that ranges from a few days to a couple of weeks. We strive to expedite this process to ensure you gain access to the funds you need without unnecessary delays. Our goal is to support your business’s growth by providing timely financial solutions that are tailored to your specific needs.

Why Choose Us for Securing Asset-Based Lending

Expertise in Asset-Based Solutions

At Hall Asset Finance, we specialise in asset-based lending, providing bespoke financing solutions that leverage your company's assets. We ensure optimal lending terms tailored to your business needs.

Rapid and Reliable Funding

We prioritise efficiency and reliability in our funding process. Our streamlined approval procedures give quick access to capital, enabling your business to react swiftly to opportunities and financial needs.

Tailored Financial Guidance

Each client at Hall Asset Finance receives personalised service and expert financial advice. We work closely with you to understand your business's unique challenges and opportunities and support your strategic objectives.

Power Your Business Growth with Hall Asset Finance!

Ready to elevate your business with the right financing solutions? Connect with Hall Asset Finance today and discover how we can tailor financial strategies that align perfectly with your needs. 

Whether you’re looking to invest in new equipment, expand operations, or enhance sustainability practices, our expert team is here to guide you – every step of the way!

Want to get direct guidance?

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