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Asset-Based Lending

Unlock the value of your business assets

At GIFCO, we believe your balance sheet shouldn’t hold you back—it should help you move forward. Asset-based lending (ABL) allows you to borrow against the assets already in your business, such as invoices, stock, equipment, or property. By unlocking their value, you can access the working capital needed to manage cashflow, fund day-to-day operations, or drive future growth.

Unlike rigid bank loans, asset-based lending adapts to your business. The facility grows as you grow, giving you the flexibility to seize opportunities without the delays and restrictions of traditional funding.

Types of Asset-Based Lending

Depending on the assets you hold, ABL can be structured in different ways:

Invoice discounting – Release funds tied up in unpaid invoices.

Accounts receivable financing – Borrow against outstanding debtor balances.

Inventory / stock financing – Access capital from the value of stock you hold.

Plant & machinery finance – Unlock value tied up in vehicles, IT, or heavy equipment.

Equipment finance – Similar to machinery finance, but focused on essential day-to-day business kit.

Property finance – Borrow against company-owned premises or commercial property.

Why Consider Asset-Based Lending?

Strengthen cashflow quickly and efficiently

Maximise borrowing by using the assets you already own

Keep full control of your business operations

Combine with other facilities (like hire purchase, leasing, or invoice finance)

Faster and more flexible than many traditional lending routes

If you are unsure, please give one of our helpful team a call

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Is  Asset-Based Lending Right For You?

Asset-based lending could be a good fit if:

You need flexibility beyond what your bank can offer

You want quicker funding decisions than standard loans allow

You’ve experienced reduced access to traditional credit lines

You’re looking for a more practical, straightforward borrowing route

You’re happy to secure funding against assets rather than rely solely on cashflow

At GIFCO, we help businesses use what they already have to achieve more. Our role is to connect you with facilities that are compliant, transparent, and built to support your growth—without unnecessary complexity.

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