Asset Based Lending

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At We Finance America, we deliver specialty financing solutions designed to unlock the full potential of your working capital. Whether you need to bridge cash flow gaps, fund growth initiatives, or navigate seasonal demands, our flexible, asset-based products are built to keep your business moving forward—quickly, efficiently, and with confidence.

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• Accounts Receivables Financing: Funding that unlocks working capital by advancing cash against your outstanding accounts receivable.

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• Acquisition Financing: Funding that supports business growth by providing capital to acquire another company or its assets.

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• Asset-Based Lending: Revolving lines of credit secured by a combination of assets such as receivables, inventory, and equipment.

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• Asset Refinancing: A line of credit or short-term loan secured by the company’s existing, typically unencumbered, machinery, equipment, real estate, or inventory.

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• B2B Buy Now, Pay Later: Funding that enables buyers to defer payment while sellers get paid upfront—improving cash flow on both sides of the transaction.

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• CHOW Financing: Flexible funding designed to support ownership transitions, acquisitions, and business successions without disrupting operations.

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• DIP Financing: Funding that provides critical liquidity to companies undergoing bankruptcy, helping them maintain operations and restructure successfully.

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• Dynamic Discounting: A solution that lets buyers pay suppliers early in exchange for discounts, optimizing cash flow and reducing costs.

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• Exit Financing: Funding that supports businesses emerging from bankruptcy or restructuring, restoring stability and enabling a fresh start.

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• Freight Factoring: Financing that converts unpaid freight invoices into immediate cash flow to keep trucking operations running smoothly.

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• Healthcare Receivables Finance: A/R financing tailored for healthcare providers, leveraging receivables and assets to unlock working capital.

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• In-Transit Financing: Financing that unlocks working capital tied up in goods while they are in transit, keeping your supply chain moving.

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• Inventory Financing: Flexible Funding that leverages existing or incoming inventory to free up cash flow for operations and growth.

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• Invoice Factoring: Financing that advances cash against outstanding invoices, accelerating cash flow without taking on new debt.

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• Payroll Funding: Flexible financing that ensures consistent payroll delivery by unlocking cash tied up in accounts receivable.

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• Sales Ledger Financing: Funding that advances capital against your entire sales ledger, turning receivables into immediate working capital.

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• Supply Chain Finance for Buyers: Financing that helps buyers pay suppliers early while extending their own payment terms to preserve liquidity.​

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• Supply Chain Finance for Suppliers: Financing that provides suppliers with early payments on approved invoices, improving cash flow without added debt.