4th Revolution Consulting Ltd
Empower Your Cash Flow: Unlocking Finance with Assets
Invoice Based Finance & Asset based Lending
Is Asset Based Lending Right For Your Business?
What is Asset Based Lending?
Asset-Based Lending allows businesses to borrow funds against the value of their assets, such as inventory, equipment, or property. This financing method provides companies with a flexible way to access working capital, leveraging their existing assets to support growth, manage cash flow, or cover operational expenses without needing to sell their invoices.
Why is it Useful?
These financing solutions are invaluable for businesses looking to enhance their cash flow without waiting for payment terms to conclude or needing to secure traditional loans. They provide immediate liquidity, enabling companies to invest in growth, manage operational costs, and navigate through seasonal demands or unexpected challenges. Furthermore, they offer a more flexible approach to financing, often without the stringent requirements of traditional bank loans. This flexibility can be a lifeline for businesses in fast-moving sectors or those undergoing rapid expansion.
Example
Consider a manufacturing company with a robust order book but constrained by slow-paying customers and significant upfront costs. By leveraging Invoice Based Finance, the company accesses immediate funds from outstanding invoices, enabling it to meet production demands and take on new orders. Simultaneously, Asset Based Lending against its machinery and inventory provides additional capital to invest in technology upgrades and expansion, driving further growth. This dual approach not only stabilizes the cash flow but also positions the company advantageously for future opportunities.
What types of assets can be used as collateral in Asset-Based Lending?
Asset-Based Lending typically allows businesses to use a variety of assets as collateral, including accounts receivable, inventory, machinery, equipment, and real estate. The value and liquidity of these assets are assessed by the lender to determine the borrowing capacity.
Are all businesses eligible for Asset Based Lending?
Eligibility largely depends on the type and value of assets a business holds, as well as its creditworthiness and financial history.
Can I use Asset Based Lending for any purpose within the business?
Yes, funds obtained through Asset Based Lending can be used for a wide range of purposes, from operational expenses to growth initiatives.
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Why 4th Revolution?
Since the financial upheaval of 2008, the landscape of business finance has evolved dramatically, embracing a new era of innovative lending. The emergence of cutting-edge lenders offering alternative funding solutions has redefined the role of traditional high street banks in meeting the diverse financial needs of businesses.
This transformation has heralded a golden age for specialist lenders, injecting cash flow and enabling businesses to flourish and grow in ways previously unimagined. Yet, the abundance of choice in the lending market raises the question: which funding partner truly aligns with your business aspirations?
Enter the fray, the Global Pandemic, adding layers of complexity to the already labyrinthine world of business finance. This is where 4th Revolution steps in. Boasting over 60 years of combined experience in business and finance, 4th Revolution not only understands this intricate market but also maintains robust relationships with key figures across a spectrum of brokers & lenders. This positions us uniquely to secure the financing that best suits your needs.
At 4th Revolution, we alleviate the pressure of navigating the financial maze, ensuring you partner with the most fitting broker or lender. Our mission is to remove the financial stress, allowing you to concentrate on what you do best: running your business. With us, your focus remains on growth and innovation, knowing your financial backing is secure and precisely tailored to your journey.
4th Revolution Consulting Ltd is not a lender, we provide introductory services to brokers such as Navigate Commercial Finance
