IBS Asset Based Lending

IBS, N.A. provides creative asset-based financing to small & middle-market sized companies throughout the continental United States. IBS, N.A.’s Asset Based Lending (ABL) Program provides low-cost capital for acquisitions, dividend recapitalizations, growth, debt restructurings, debtor-in-possession, and turnarounds. As a non-recourse lender, IBS, N.A. provides ABL financing to hyper-growth companies who require scalable credit lines based on their assets and projected growth. General parameters include:

General Lending Parameters

Loan Commitments:

• $1,000,000 to $50,000,000
• Dedicated syndication capabilities up to $50,000,000

Revolver

• Up to 80% of eligible accounts receivable
• Up to 60% of eligible inventory with higher advance rates available based upon appraisal.

Term loans

• Up to 80% of the liquidation value of equipment
• Up to 75% of the appraised fair market value of a real estate
• Capital expenditure facilities available to finance new equipment purchases

Amortization

• Interest only- Inventory Assets
• Up to 7 years – equipment loans
• Up to 15 years – real estate loans

Cashflow-based loans

• Up to 25% of the total credit facility and supported by sufficient cash flow to repay principal, generally within 24 months

Typical Uses:

• Refinancing/Working Capital
• Acquisition
• Growth
• Distress and Turnaround

Learn how IBS, N.A. drives over 3,500 small and middle market sized companies through its nation-leading corporate finance programs via the buttons below and reach out to a Relationship Manager for more information:

Working Capital Loan

Expansion Term Loan

Letter of Credit

IBS Client Financing Program