With ABL, you can secure funding against multiple business assets, from receivables and stock to property, plant and machinery. This approach allows you to unlock more capital than invoice finance alone, providing additional headroom for growth and investment.
ABL offers a flexible alternative to traditional loans and overdrafts, with facilities structured around your assets rather than fixed borrowing limits. This flexibility makes ABL suitable for businesses managing seasonal demand, funding acquisitions, or navigating periods of change or restructuring
With funding tied to the value of your assets, ABL provides a scalable solution that increases as your business grows. This flexibility ensures your facility continues to support changing cash flow demands, expansion plans and longer‑term funding requirements as your business evolves.
In some instances, top-up cash flow finance may also be available in addition to funding against receivables, inventory, property, and plant and machinery, particularly where a business can demonstrate strong historic and future cash generation. This can help smooth peaks and troughs or fund short-term opportunities.
Businesses can use this funding approach to support acquisitions, ownership changes, restructures, or contract mobilisation. Finance is generated from existing assets such as invoices, stock, plant, or machinery, helping protect day‑to‑day cash flow. This makes it suitable for established businesses undergoing strategic change.
ABL facilities are typically tailored to the specific needs of your business, with funding structured around your asset mix and commercial objectives. This bespoke approach allows businesses to create a funding solution aligned to both short‑term working capital needs and long‑term growth plans.
The business had three main requirements for the funding:
Our funding experts identified asset‑based lending as a suitable solution, releasing capital from assets such as receivables, stock and machinery. Combined with a cash flow loan, this provided an immediate cash injection to support both short and long‑term objectives.
An invoice discounting facility was structured alongside a cash flow loan, enabling upcoming transactions to be completed without disrupting day‑to‑day operations. In total, £9.2 million was advanced, including over £1 million in cash flow funding.
It only takes a few minutes to complete.
Close Brothers Invoice Finance has been named Best Asset Based Lender and Best Factoring & Invoice Discounting Provider at the Business Moneyfacts Awards 2025.
The Business Moneyfacts Awards are recognised industry-wide and celebrate excellence across the business and finance sector. The awards acknowledge the outstanding service and products we offer to our invoice discounting, factoring and asset-based lending clients.
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