Asset Based Lending: Secured Business Loans

  • Easy approval and funded within 1-10 days
  • Loan amount up to $750,000
  • Interest rates as low as 5.25%
  • Flexible and transparent terms
  • Free consultation with our lending advisors
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Asset Based Lending

Secured asset-based financing for businesses who need working capital to meet cash flow demands.

What Is an Asset Based Loan?

ABLs (Asset Based Loans) is a way to get commercial financing for your company using business assets as collateral. Asset-based lending is usually secured by either equipment, real estate, accounts receivables, or existing inventory.

Unlike financing through a traditional bank, Clarify allows business owners to get capital with less paperwork and higher approval rates through our network of 75+ lenders. We are committed to helping people pursue the American dream with the financial backing they need to grow.

When you apply for a loan with us, your dedicated lending concierge first understands your specific business needs. We then do all the legwork for you to secure the best interest rates and terms available. The process is short and completely transparent -- our primary goal is your success.

Benefits of Asset-Based Loans

Whether you need cashflow to cover expenses or make investments to grow your business, an asset-based loan can provide the funding you need as a revolving line of credit. This type of financing is available to small-mid sized companies who can provide collateral to secure the funding. Here are the key benefits you get when you apply for a loan with Clarify:

Minimal paperwork

Unlike a traditional bank, there is minimal paperwork required to get approved for an asset-based loan via our lending network. We have streamlined the application process to be quick and easy.

Lowest interest rates

When lenders compete, you win. Your loan advisor at Clarify will do all the legwork to get you the best interest rate possible in the industry. You can focus on running your business without having to apply again to several different lenders.

Lending concierge

With decades of experience under our belt, your dedicated loan advisor at Clarify is your most trusted resource. Your advisor will jump through all the hoops needed to ensure your financing exceeds your expectations.

Cover short-term cashflow needs

Every business has short-term demands for working capital to pay off expenses and invest in growth. An asset-based financing solution helps you cover all those needs and set the right path to success.

Complete transparency

There are no hidden fees or unknowns with Clarify. What you see is what you get. We walk you through all the terms and important metrics so you can make the right decision for your funding. We take pride in bringing transparency to the lending industry.

Flexible payment terms

Most asset-based financing is structured as a revolving line of credit. This allows you to borrow capital as-needed based on the value of your assets to cover on-going expenditure.

Common Uses for Asset-Based Loans

Business owners choose to allocate working capital in a number of ways. We’ve outlined the most popular ways asset-based loans are used below:

Supplies & Inventory:

Purchase what you need for your daily operations with an asset-based loan. That way, orders get fulfilled on time and you have the resources you need to achieve success.

Coronavirus-related Costs:

The pandemic has resulted in increased costs for many small businesses. Others have seen business slow, causing companies to bring in less revenue than expected. Financing can help bridge cash flow gaps caused by COVID-19.

Recurring Expenses:

Funds can be allocated towards everyday expenses, like rent and utilities. If revenue has dropped and you’re having trouble covering fixed costs, we’ve got you covered.

Growing Your Company:

Scaling growth can require you to invest capital up-front. Having additional cash on hand will help you build out your company as you expand.

Equipment & Machinery:

Certain industries require special machinery to get the job done, while others require basic equipment to accommodate customers and clients. Asset-based loans make purchasing new and used equipment possible for every business owner.

Easy business loans at a glance

  • check 6-month to 24-month terms
  • check Funding in 1-2 days
  • check No collateral needed
  • check Low documentation required
  • check Flexible payment schedule


  • keyboard_arrow_right 6+ months in business
  • keyboard_arrow_right 550+ credit score
  • keyboard_arrow_right $10K+ in monthly revenue

Note: These are general term loan qualifications. Other information might be considered during your application. Your dedicated Clarify advisor will walk you through it!
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Ready To Grow Your Business?

Get pre-approved for an asset-based loan today and have money in your account within as little as 1-10 day. Prequalify without affecting your credit! Application process takes less than 2 minutes.