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Asset-based lending · West Virginia

Asset-based lending in West Virginia

Revolving lines and term loans secured by receivables, inventory, equipment and real estate for West Virginia companies: acquisitions, growth, turnarounds and refinancing.

Up to 90%Of eligible A/R
Up to 85%Of equipment OLV
Revolver + termStructure
WVStatewide
West Virginia

Asset-based lending for West Virginia companies

Mid-sized companies across West Virginia, especially in energy and coal, natural gas and chemicals, carry significant value in receivables, inventory and equipment. Asset-based lending turns that collateral into a revolving line and term loans sized to the balance sheet, with faster decisions and more flexibility than a traditional bank.

West Virginia owners use asset-based facilities to fund acquisitions, finance growth, refinance a bank or merchant cash advances, and support turnarounds and restructurings. We work with companies in Charleston, Huntington, Morgantown, Parkersburg, Wheeling and Beckley and statewide.

Collateral that builds your borrowing base

Asset-based lenders near you

Asset-based lending in Charleston, accounts receivable financing in Huntington, inventory financing in Morgantown, and ABL lines of credit in Parkersburg, Wheeling and Beckley.

Questions

Asset-based lending in West Virginia: FAQ

Do you arrange asset-based lending in West Virginia?

Yes, for companies throughout West Virginia, including Charleston, Huntington, Morgantown, Parkersburg, Wheeling and Beckley.

Which West Virginia industries use ABL most?

Companies in energy and coal, natural gas and chemicals with meaningful receivables, inventory or equipment.

What is asset-based lending?

A revolving line of credit, often paired with term loans, secured by your business assets: accounts receivable, chattel paper, inventory, machinery and equipment, and real estate. Availability is set by a borrowing base that moves with those assets.

How is ABL different from a bank line?

Banks lend mainly on cash flow and covenants. Asset-based lenders lend on collateral, so they can fund companies with losses, uneven earnings, fast growth or a leveraged balance sheet.

What advance rates are typical?

Commonly up to 80–90% of eligible receivables, up to 50–65% of inventory at net orderly liquidation value, and up to 75–85% of equipment at orderly liquidation value, set facility by facility.

How fast can an ABL close?

Typically 3–6 weeks from term sheet, including field exam and appraisals; non-bank lenders often move faster than banks.

Discuss your scenario

Rather talk it through first?

Skip the full application. Tell us what you need in a few words and an account executive will call you back with options.

  • No application, no credit pull
  • A real account executive, not a call center
  • Usually a call back within one business day
Prefer to call? (210) 702-8811
Next step

Size an ABL facility in West Virginia.

Start the application; agings and reports upload right on the page.

Start the application

Commercial financing is arranged through Win-Win Capital Funding's network of banks, equipment lessors and asset-based lenders. Rates, terms, advance rates and amounts depend on credit, time in business, revenue, collateral and the equipment, and all financing is subject to credit approval and documentation. Tax treatment varies; consult your tax advisor. This is not a commitment to lend.