- Carrickmourne, Thomastown, Co Kilkenny.
- +353 (0) 87 7837174
Some businesses are asset-rich but cash-poor.
Stock sitting on shelves. Debtors waiting to be paid. Equipment with value. Property tied up in the balance sheet. On paper, the business looks strong. In reality, cashflow can still be tight.
Asset based lending is designed to release funding from those assets without selling them.
We help businesses understand when this type of finance makes sense — and when it doesn’t.
Facilities might be linked to receivables, inventory, plant, machinery, or property. The structure depends on what assets exist and how stable the underlying business performance is.
For growing businesses, asset based lending can provide flexibility where traditional lending falls short. For companies recovering from difficult periods, it can offer access to funding when conventional options are limited.
But structure matters. Advance rates. Covenants. Reporting requirements. Fees. These arrangements can become restrictive if not designed properly from the start.
We work with clients to assess suitability, prepare financial information, and approach appropriate funding providers.
Sometimes asset based lending forms part of a wider funding solution alongside term debt or working capital facilities. Sometimes it replaces existing lending that no longer works.
There’s no one-size answer.
Our experience dealing with lenders means we understand what they are looking for and how proposals should be positioned. That reduces delays and improves outcomes.
The aim is straightforward. Unlock funding already sitting inside the business — without creating unnecessary risk.