Revolving credit lines that flex with your business
A single revolving facility secured by receivables, inventory, and equipment — sized to your borrowing base and built for companies that have outgrown traditional cash-flow lending.
Built around real commercial flow
Larger availability
Facilities sized to actual collateral, not just historical EBITDA.
Confidential
Undisclosed to customers — no notification required, unlike factoring.
Lower cost than factoring
Pricing reflects the diversified collateral pool.
Flexes with growth
Availability grows as your AR and inventory grow.
Every engagement follows the same disciplined path — from first conversation to funded facility.
- 1
Field exam and collateral analysis on AR, inventory, and equipment
- 2
Borrowing base structure, advance rates, and reserves are set
- 3
Facility closes; initial draw funds the refinance or transaction
- 4
Monthly borrowing base certificates govern ongoing availability
- 5
Draw and repay flexibly within the line as cash needs move
A $5M revolving borrowing base
We size a revolver against eligible AR and inventory. You draw and repay as the borrowing base moves, with monthly interest on the average balance.
Illustrative only — actual advance rates, fees, and terms vary by transaction.
- Eligible AR (under 90 days, ineligibles excluded)
- $4,500,000
- AR advance rate (example, 85%)
- $3,825,000
- Eligible inventory at NOLV
- $2,000,000
- Inventory advance rate (example, 50%)
- $1,000,000
- Total borrowing base availability
- $4,825,000
Frequently asked
- What is asset-based lending (ABL)?
- ABL is a revolving credit facility secured by a borrowing base of accounts receivable, inventory, equipment, and sometimes real estate. Availability flexes with the value of those assets.
- How is ABL different from factoring?
- ABL is a single revolving facility against a pool of collateral, billed monthly. Factoring funds against individual invoices as they are issued. ABL is typically larger, lower-cost, and undisclosed to your customers.
- What facility size do you consider?
- Qualiteq reviews ABL facilities generally from $1M to $25M, depending on collateral quality and reporting capability.
- What reporting is required?
- Borrowing base certificates (typically monthly, weekly for stretch facilities), AR agings, inventory reports, and standard financial statements.
Ready to discuss a transaction?
Initial reviews typically returned within 48 hours.