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Asset-based lending

Real Estate in the Borrowing Base

Include owner-occupied real estate in your asset-based facility for additional availability at longer terms.

Apply nowAsset-based lending(210) 702-8811
Revolver + termStructure
CollateralFirst
3 – 6 wksTypical close
All 50States
Collateral

How real estate in the borrowing base works

Owner-occupied plants, warehouses and offices can be added to an asset-based facility as a real estate term loan. It increases total availability and often carries a longer amortization than the rest of the facility.

Bringing the real estate in can also simplify your capital structure by putting all your senior debt with one lender.

Best for

  • Manufacturers and distributors that own their facility
  • Refinancing a maturing real estate loan
  • Raising capital for growth or an acquisition
Questions

Real Estate in the Borrowing Base FAQ

What advance is typical on real estate?

Commonly up to 50–75% of appraised value, depending on the property and market.

Does the property have to be owner-occupied?

Usually yes for inclusion in an operating company facility.

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.

Related

Other collateral & uses

Collateral

Accounts Receivable Financing

A revolving line secured by your invoices

Explore →Collateral

Chattel Paper Financing

Borrow against the installment contracts you hold

Explore →Collateral

Inventory Financing

Capital against finished goods and raw materials

Explore →Collateral

Machinery & Equipment (M&E) Loans

Term debt against the equipment you own

Explore →Use case

Acquisition Financing

Buy a competitor, supplier or customer

Explore →Use case

Turnaround Financing

Capital when the bank says no

Explore →
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

Borrow against your real.

Start with the online application; agings and reports can be uploaded 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.