Asset-based finance
Financing what the company owns and generates
Standard bank credit looks first at ratios: leverage, profitability, equity. A fast-growing company, one in transition or emerging from a difficult period can have weak ratios and yet solid assets.
Asset-based finance starts from these assets: their value, their liquidity, their ability to generate cash flow. The amount available follows the assets financed.
What can be financed
Machinery and equipment
Leasing, financial lease or loans backed by the existing fleet.
Contracts
Funding backed by a long-term contract or a signed order book.
Recurring revenue
Subscriptions, maintenance, licences: predictable cash flows that support the financing.
Inventory and receivables
A facility backed by working capital, recalculated regularly.
Real estate
Mortgage loan or sale and leaseback on operating real estate.
Our approach
Assessment
Need, timing, assets and existing commitments: we measure what can be financed and on what terms.
Funder file
A clear file, prepared once, in the format specialist funders expect.
Targeted approach
We approach the funders that fit your situation, without broad circulation.
Set-up and follow-up
Terms, security, documentation, timing: we follow the set-up through to first drawdown.
Youllsee advises and does not lend: we prepare your file and present it to the right funders, alongside your bank partners.
Frequently asked questions
How is this different from bank credit?
The financing rests first on the value and liquidity of assets, not on financial ratios alone. The amount moves with the assets.
Is an asset appraisal required?
Often, yes. An independent valuation forms the basis of discussion and gives the funder comfort.
Can several assets be combined?
Yes. It is common to combine several facilities, each backed by an asset class, alongside bank lines.
Which companies are concerned?
Mid-sized companies with identifiable assets: industry, distribution, services, transport, energy.
Which assets can fund your company?
A first 30-minute call with our team, confidential and with no commitment.