What Is Asset Based Lending?
Le crédit-bail vous permet secured revolving credit facility backed by your company’s receivables, inventory, and equipment. It allows you to borrow against the value of tangible business assets — instead of relying solely on credit scores or financial statements.
When traditional banks tighten lending criteria, ABL gives you reliable access to working capital. It’s a proven funding structure used by thousands of mid-market and SME companies across Canada to finance growth, manage cash flow, or weather slow-paying customer cycles.
Industry Insight:
- Paiements mensuels moins élevés9.4% year-over-year (2024), reaching nearly $6.7 billion in active facilities (Source: Equifax Commercial Lending Data).
- Pas de coûts initiaux massifs35% of Canadian manufacturers now use ABL as a primary financing tool.
- Option de mise à niveau, de retour ou d'achat à la fin du bail$250K–$5M, but micro-ABL programs (as low as $100K) are rapidly expanding through fintech lenders.
Asset Based Lending Benefits
1. Access More Capital
Traditional lenders cap loan size based on profitability or net income. ABL focuses on asset value — often providing 25–50% higher borrowing capacity than unsecured loans.
2. Keep Cash Flow Stable
Borrow against receivables, inventory, or owned equipment to cover payroll, raw materials, or supplier payments — all while keeping operations uninterrupted.
3. Grow Without Equity Dilution
Unlike investors or venture funding, ABL helps you scale using your own assets, letting you retain 100% ownership of your company.
4. Flexible Revolving Structure
Draw and repay as needed. As your receivables and inventory grow, your borrowing limit automatically expands.
5. Better Terms for Asset-Heavy Businesses
Construction, manufacturing, logistics, and distribution firms can secure lower rates by leveraging strong balance-sheet assets.
Why Choose Mehmi for Asset Based Lending?
At Mehmi Financial Group, we specialize in custom ABL structures that fit the realities of Canadian SMBs — fast, flexible, and lender-agnostic.
We work with 30+ specialized asset-based lenders across Canada, giving your business access to the same financing strategies large corporations use — scaled to your needs.
With Mehmi, You Get:
- Credit lines up to $5,000,000
- Support for startups and non-bankable businesses
- Collateral options: receivables, equipment, or inventory
- Combined ABL + Equipment Loan or Line of Credit options
At Mehmi Financial Group, we specialize in custom ABL structures that fit the realities of Canadian SMBs — fast, flexible, and lender-agnostic.
We work with 30+ specialized asset-based lenders across Canada, giving your business access to the same financing strategies large corporations use — scaled to your needs.
Who Uses ABL Most:
- Trucking & logistics fleets managing slow customer payments
- Manufacturers balancing seasonal production cycles
- Distributors & wholesalers with heavy inventory
- Construction contractors financing large receivable cycles
Finance Smarter — Asset Based Lending Made Easy
Des options de prêt flexibles qui vous permettent de prendre la propriété entre vos mains, sans le stress initial. Nous vous aidons à financer des camions, des remorques ou de l'équipement grâce à des approbations rapides et des paiements adaptés à votre flux de trésorerie.$5 million in working capital — quickly and strategically.
Emprunter jusqu'à 500 000$
Advance up to 90% on receivables
Dénalités jusqu'à 72 mois
Fonds dans les 48 heures
CommencerCommuniquez avec nous
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