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Asset Based Loans

A business is never truly “asset rich but cash poor.” If a company has survived and continues operating, it likely has valuable assets that can be used as collateral to secure funding. Asset-based loans allow businesses to unlock cash flow without selling ownership, or they can choose to sell the asset outright to an investor for a fair price. Financing may be structured as a term loan or line of credit.

Types of Asset-Based Loans

Luxury Asset Loans (Hard Assets)

Businesses or owners may leverage luxury or collectible assets as collateral:

  • Precious metals (gold, silver, platinum)

  • Diamonds, gemstones, rare coins

  • Paintings, sculptures, fine art

  • Yachts, boats, aircrafts

  • Jewelry, watches, bullion

➡️ These assets must be appraised and securely stored in a Safe Keeping Receipt (SKR) facility during the loan term.

Business Assets (Soft Assets)

Companies can secure financing using operational and financial assets such as:

  • Accounts receivable & payable

  • Purchase orders

  • Invoice factoring

  • Inventory financing

  • Contract financing

  • Machinery & equipment

  • Stocks, bonds, mutual funds

Real Estate Collateral

Businesses may also use commercial or investment real estate as collateral, including:

  • The building they operate in

  • Other business or personal investment properties

This can secure larger funding through either debt or equity financing.

Flexible Funding Backed by the Strength of Your Assets

Loan Details & Terms

  • Loan Amount: $1M – $1 Billion

  • Rates: 4% – 16%

  • Financing Type: Debt or Equity

  • Terms: 1 – 5 years

  • Repayment: Interest Only

  • Loan-to-Value (LTV): Up to 80%

  • Funding Time: 5 – 10 business days

Key Benefits

  • No personal guarantees

  • No credit check or lengthy paperwork

  • Flexible terms tailored to business needs

  • Effective alternative to selling assets

  • Option for investors to purchase the asset outright at a fair price
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