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Asset-Based Lending

With flexible asset-based loans your business can receive funds even if you have faced denials in the past. Lenders evaluate risk based on the value of the asset you use as leverage. Borrowers receive a percentage of the asset value as either a direct loan or revolving line of credit. If you have been denied funding in the past, or if your interest rates are too high, asset-based funding may be a sound path to financing.
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Asset Based Lending

What is Asset Based Lending?

Asset-based lending is a loan or line of credit that is secured by the value of a fixed asset. Lenders determine the funds available within a loan package based on a percentage of the asset value derived from assumed depreciation and the ability of the lender to turn over the asset for cash if the borrower defaults.

In fact, many well-established businesses choose asset-based borrowing even when traditional cash flow loans are available. This is because, with the accrual of high-value equipment, land and property lenders are at low risk, even if the business defaults. Often, in these circumstances, terms can be quite favorable.

Traditional and Non-Traditional Lenders Available to you

Amount Of Capital Accessible Through Network

Quickest Time To Funding Commitment Through Motiva Capital

Commercial Real Estate

Utilize bridge financing to purchase new properties or upgrade property.

Equipment Loans

Purchase tools, technologies, and hardware used in your business based on the value of the asset.

Working Line of credit

Increase credit limits and decrease interest rates with asset-backed working credit.
Asset Based Lending

F.A.Q.’s

When is asset-backed lending not a good fit?
For businesses that have significant cash flow problems asset-based loans can put the asset at risk, causing significant upheaval in an organization should they default on the loan. In this case, the business should look realistically at short and long-term cash flow solutions prior to seeking an asset-based loan.
What are interest rates on asset-backed financing?
Asset-backed business financing can be very reasonable, even beating the interest rates provided by cash flow loans of well-qualified lenders. The best way to identify what is available is to work with a loan broker to identify and evaluate your options.
How do I choose which assets to leverage in a deal?
There are many asset types, including real estate, land, inventory on hand, equipment, accounts receivable, stocks and investments, and even intellectual property. Deals are best structured on a balance of assets versus risk for your organization.
Why use a broker in your search for asset-based funding?
Motiva Capital maintains a set of business relationships that allow us to position you to match with the right lender based on business objectives and current financial scenario. We are also able to provide you a set of principles and recommendations that will help you improve your borrowing scenario over time. Let’s start a conversation.

Asset Based Lending

Advantages

Lower interest financing
Flexible terms from fast-acting, short-term to permanent loan options
Choice of fixed or revolving funds
Asset-backed loans can close in a matter of days

Motiva Capital

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Motiva Capital is your bridge to capital. Work directly with brokers who have been in your shoes. Let us show you what we can do for your business.

52 Tuscan Way Suite 202 Saint Augustine, Fl 32092

Office: +1(904) 404-8904
Fax: +1(786) 358-6083.

Support@MotivaCapital.com