IBS Asset Based Lending

We provide creative asset-based financing to small & middle-market-sized companies throughout the continental United States. IBS Institutional Capital's (IBS) 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 provides ABL financing to hyper-growth companies that require scalable credit lines based on their assets and projected growth. General parameters include:

General Lending Parameters

Loan Commitments:

• $3,000,000 to $50,000,000
• Dedicated syndication capabilities up to $50,000,000

Revolver

• Up to 80% of eligible accounts receivable (foreign receivables financed in over 30 countries)
• Up to 100% of eligible purchase orders
• 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 30 years – real estate loans

Typical Uses

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

Learn how IBS drives the success of small and middle-market-sized companies through its nation-leading corporate finance programs by downloading our brochures and guides and visiting the links below. Reach out to a Relationship Manager for more information.

Short Term Bridge 

Expansion Term Loan

Unitranche Term Facility

Intellectual Property Finance