the funding process

Assets Vs No Assets

Not all financing is built the same. Learn how asset-based loans (ABL) and non asset-based loans work, and when each makes sense.

The key differences

Collateral-driven: ABLs use assets like inventory, equipment, or receivables to reduce lender risk.
Performance-driven: Non asset-based loans focus on revenue, cashflow, and history–not what you own.
Structure: ABL amounts are tied to asset values and advance rates; non-ABL tend to rely on monthly revenue.
Use case: ABL suits capital-intensive, expansive-focused businesses, while non-ABL works for companies with strong margins and predictable cashflow.