Asset-Based Lending Solutions
Goba Capital structures flexible, revolving ABL solutions that unlock liquidity using your accounts receivable, inventory, or other business assets. Whether you’re scaling operations, navigating a turnaround, or executing a strategic pivot, our asset-based lending structures deliver capital you can count on—and the peace of mind to act with confidence.
What Is Asset-Based Lending?
Asset-based lending is a form of secured financing that allows your business to access capital based on the value of your assets. This typically includes accounts receivable, inventory, equipment, or even purchase orders—depending on your business model and goals. ABL is often used by companies that have strong asset bases but need more flexible and reliable access to working capital than traditional loans can offer.
At Goba Capital, ABL isn’t just about borrowing—it’s about building a financial strategy that gives you room to grow.
Access capital backed by your own assets—designed to grow with you.
Why Choose Asset Based Lending?
For many companies, traditional financing doesn’t move fast enough—or fit the structure of the business. ABL provides an alternative that’s grounded in real performance, not rigid models.
Key benefits include:
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Access to capital based on current asset value
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A revolving structure that scales with your receivables and inventory
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Faster execution and fewer restrictions than conventional credit lines
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Improved vendor terms and supplier relationships through stronger cash flow
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Ability to grow without equity dilution or long-term debt burdens
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Greater clarity and control over your capital strategy—so you can make decisions confidently.
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Peace of mind that your financing is aligned with your operations
Whether you're expanding production, managing seasonal demand, or responding to large contracts, ABL gives you the tools and the confidence to keep moving forward—on your terms.
Goba Capital's ABL Capabilities
At Goba Capital, we don’t offer cookie-cutter loans. We design asset-based lending facilities that reflect your actual operating rhythm—so your capital structure supports your growth, not your constraints.
We consider multiple forms of collateral, including:
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Accounts receivable
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Inventory
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Other eligible collateral types: We also work with select additional assets depending on your business profile to build a structure that matches your real-world capital needs.
Facilities typically range from $3 million to $100 million USD, structured as revolving lines over 1 to 5 years. As your needs evolve, we adapt—integrating other solutions like factoring, PO financing, or supply chain support to create seamless, flexible capital strategies.
Cross-Border
Collateral Expertise
A key differentiator: Goba Capital accepts eligible collateral across borders.
With offices in the US and LATAM, we’re positioned to support companies with operations in multiple countries—whether your assets sit in the U.S. or Latin America. Our ability to underwrite and support international structures gives our clients a competitive edge. This level of support creates the clarity and continuity that businesses need to grow without hesitation.
Traditional lenders often can’t accommodate this kind of flexibility. We’re built for it.
Goba Capital’s ABL Capabilities
Asset-based lending is ideal for businesses that:
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Are growing rapidly and need scalable capital access
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Experience seasonal cash flow swings
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Face long receivable cycles from enterprise buyers
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Want to improve working capital without adding long-term debt
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Are in transition—acquisition, turnaround, restructuring, or expansion
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Hold significant assets alongside receivables
ABL gives these companies the confidence to plan, invest, and execute—knowing their capital is structured to keep up.
Sample Transaction
Challenge: A U.S.-based company in the oil & gas industry needed to maintain critical inventory and meet rising customer demand—while facing capital constraints tied to extended receivable cycles.
Solution: Goba Capital structured a $15 million asset-based lending facility, secured by both inventory and receivables. The facility provided the liquidity required to stay competitive and scale confidently.
Results:
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Enabled ongoing investment in high-demand inventory
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Delivered consistent liquidity to support operations and large contracts
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Improved speed to market and reliability for customers
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Created financial stability during market fluctuations, allowing the business to plan growth with peace of mind.
This ABL solution gave the client the flexibility to operate at full capacity—without being limited by traditional lending or delayed collections.
Industry Use Cases
Asset-based lending isn’t a one-size-fits-all solution—but for the right business, it can be a game-changer. When timed strategically, it transforms locked-up assets into liquidity that supports long-term success. ABL is especially valuable for businesses navigating growth, large orders, or unpredictable payment cycles.
Common client profiles include:
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Manufacturers and distributors with long receivable cycles that need consistent liquidity to manage inventory and production schedules.
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Consumer brands needing to fund large retail orders while maintaining inventory readiness and delivery timelines.
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Logistics and transportation companies managing high operating costs while waiting on delayed payments from major accounts.
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Tech and service firms working on milestone-based contracts with extended client payment terms.
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Other businesses with asset-heavy operations or cross-border receivables that require a tailored capital strategy.
Goba structures ABL lines that fit how your business runs—and the clarity to move forward without second-guessing your capital.
How to Get Started
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Initial Consultation:
We discuss your business goals and review your collateral mix
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Proposal:
You receive a tailored term sheet based on your asset profile
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Diligence and Underwriting:
Our credit team completes review and structures the line
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Execution: Documentation, onboarding, and funding
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Ongoing Support:
As assets shift, we adjust structure and availability
Most clients move from first call to funding within a few weeks—without unnecessary delays. We remain a close, proactive partner throughout your facility, helping you adapt and stay ahead as conditions shift.
Asset-based lending can serve as a standalone solution—or as the foundation of a broader strategy. At Goba Capital, we can combine ABL with complementary solutions if your needs evolve, your operations expand, or new challenges arise—ensuring your capital structure grows with you, without disruption or delay. This adaptability gives you peace of mind, knowing your facility can shift alongside your business.
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Receivables Financing – Accelerate cash flow tied to unpaid invoices
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Factoring – Convert receivables into immediate capital
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PO Financing – Cover supplier costs before invoicing
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Supply Chain Financing – Support vendor health while extending your terms
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Custom Financing Solutions – Blend multiple tools into one tailored facility
Our capital strategies aren’t static—they’re designed to evolve with your business, providing continuity and peace of mind every step of the way.
Explore More
Let's Build What's Next
Goba Capital designs ABL structures that reflect your business—not a credit formula.
Let’s talk about how your assets can do more—and how we can support what’s next.
Contact us today to learn how we can support your growth.