FINANCE OPTIONS

^Asset Based Lending Ireland – Get a Quote Today

Q: What assets can be used for Asset Based Lending?

You can use accounts receivable, inventory, equipment, or property for Asset Based Lending. The value and type of these assets influence how much you can borrow and which finance subtype fits your needs best.

Q: How quickly can I access funds through Asset Based Lending?

Initial approval can be achieved in 24 hours to one week, depending on the asset and documentation. Funds are typically available within 1 to 3 weeks once all required checks and paperwork are completed.

Q: What interest rates and fees should I expect?

Typical interest rates for Asset Based Lending range from 1% to 8%. The exact rate will depend on asset type, business profile, and lender policy. Additional fees may include setup, appraisal, and service charges.

Q: Is Asset Based Lending regulated in the UK and Ireland?

Asset Based Lending is regulated by the Financial Conduct Authority (FCA) in the UK. Lenders must comply with GDPR for data security and require transparent financial reporting during the process.

Asset Based Lending Ireland, or ABL, allows businesses to access funding by using their assets—such as receivables, inventory, equipment, or property—as security for a loan. This approach helps UK companies improve liquidity, keeping operations running smoothly and providing capital to drive growth. Asset Based Lending is popular because it enables firms to unlock value from existing assets without sacrificing business control. Flexible, asset-linked finance like ABL can be tailored to the unique cycles and needs of your business, supporting a range of objectives from cash flow management to expansion plans.

Asset Based Lending

Secure up to £1,000,000 in Asset Based Lending with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of Asset Based Lending

Asset Based Lending offers businesses a way to improve liquidity with flexible, scalable finance, matching the value of your assets and business cycles. Businesses benefit from a solution designed to preserve ownership, deliver rapid funds, and provide cost-effective access to working capital. These are the standout advantages:

Improved cash flow

Flexible financing options

Quick access to funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Based Lending

Invoice Financing

Invoice Financing lets businesses access funds quickly by advancing cash against unpaid B2B invoices. It helps manage cash flow and cover short-term needs without waiting for customer payments.

Invoice Financing

Designed for UK-registered companies with B2B customers and a minimum turnover of £100,000, Invoice Financing enables you to release between £10,000 and £2,000,000 for 1 to 12 months. Typically, decisions are made within 24 to 48 hours. Businesses sell their invoices to a lender at a discount, receiving upfront funding. This type is popular in manufacturing, logistics, and recruitment where long invoice terms can disrupt cash flow.

Inventory Financing

Inventory Financing allows companies to release cash against their stock holdings, enabling them to purchase more inventory or manage seasonal fluctuations with greater control over cash cycles.

Inventory Financing

Businesses with significant inventory and at least two years’ trading history may qualify for Inventory Financing. Funding ranges from £50,000 to £1,000,000, with terms between 3 and 18 months and decisions in 1 to 2 weeks. Lenders provide capital based on a percentage of inventory value, helping sectors like retail, wholesalers, and manufacturers capitalise on stock assets and better navigate seasonal demands.

Equipment Financing

Equipment Financing enables businesses to upgrade or acquire assets such as machinery and vehicles, supporting operational growth without major upfront investment.

Equipment Financing

Suited for creditworthy UK businesses needing to invest in new equipment, Equipment Financing provides loans or leases worth £20,000 to £500,000 for terms from 6 to 60 months. Lenders base decisions on the value of the equipment. After 2 to 5 days’ assessment, funds can be used to expand production or replace outdated machinery—an ideal solution for capital-intensive sectors like construction, transport, and manufacturing.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Secure Asset Based Lending with Funding Agent

Complete Online Form

Share your business details and asset information in a quick, secure online application form. Accurate asset listings will aid in precise lender offers.

Receive and Compare Quotes

Get multiple Asset Based Lending offers based on asset valuations, letting you review cost structures and lending terms before choosing.

Select and Finalise Loan

Choose the lender and deal that fits your business, finalise the paperwork, and secure your funds after completing compliance checks.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What assets can be used for Asset Based Lending?

How quickly can I access funds through Asset Based Lending?

What interest rates and fees should I expect?

Is Asset Based Lending regulated in the UK and Ireland?

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June 24, 2025

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^Asset Based Lending Ireland – Get a Quote Today

Key ^Benefits of Asset Based Lending

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Based Lending

Invoice Financing

Invoice Financing

Inventory Financing

Inventory Financing

Equipment Financing

Equipment Financing

Typical Funding Journeys on Funding Agent