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


  • 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



  • 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

Contact Us

Institutional Banking Services, N.A. CORP


Fort Lauderdale Office

Mailing and Appointments

401 E Las Olas Blvd

Suite 1400

Fort Lauderdale, FL 33301


West Palm Beach Office 

The Wagg Building 

215 South Olive Ave

Suite 201

W.Palm Beach, FL 33401



Capital Funding Solutions Office

2021 Tyler Street 

Suite 208

Hollywood, Florida 33020



Phone: +1 954 889-5827



Or use our contact form.

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