Asset Based Lending
Unlock Growth with TAB Bank
Tap Into the Value of Your Business Assets and Move Forward With Confidence
Your balance sheet holds more potential than you think. At TAB Bank, our Asset-Based Lending (ABL) solutions empower you to turn your business assets into working capital — fueling growth, smoothing cash flow, and giving you the flexibility to say “yes” to more.
Whether you’re expanding operations, upgrading equipment, or bridging cash flow gaps, our ABL lines of credit scale with your success, backed by dedicated relationship managers and digital-first convenience.
Let’s unlock the value in your business.
What Makes TAB Bank Different?
Banking Relationship
Client Credit Approach
Operational Complexity
Industry Expertise
Customization Level
Scalability
Offers dedicated advisory-focused relationships.
Serves businesses declined by traditional lenders due to perceived complexity or credit worthiness.
Embraces and confidently manages industry complexity.
Over 25 years of deep, specialized understanding, enabling customized Asset-Based Loans.
ABL Solutions tailored specifically to underserved industries.
Credit line can grow as your business grows.
Traditional Banks
Transactional relationships with minimal advisory engagement.
Prefer simple business structures with high creditworthiness.
Avoid complexity to minimize customization.
General industry understanding with broad credit assessments.
Limited customization, standard product sets, and often over-collateralized offerings.
Limited to standardized increases.
Steel Capital Management
CoreCentric Solutions
Capital Foundry
Turn Your Assets into Liquidity:
Asset-Based Lending is loaning money in an agreement that is secured by your assets as collateral.
Features of Asset-Based Loans
Discover the Difference Specialized Lending Makes
With TAB Bank, you can stabilize cash flow and reduce working capital volatility by securing affordable, flexible financing that aligns with your business cycles.
- Scalable credit lines that grow with your business
- Minimal covenants, maximum flexibility
- Knowledgeable industry teams
- Secure online tools to keep you in control
- Only pay interest on what you borrow
Many banks have strict credit requirements and provide little customization. TAB Bank looks at the potential of our clients and builds out a credit offering that matches it.
We fund deals that many other banks do not, by utilizing the Asset-Based Lending model.
Examples of Asset-Based Lending
Leasing or buying new equipment
Funding operating expenses
Paying taxes and payroll
Opening a new location
Covering cash flow gaps
Hiring new employees
Investing in marketing and advertising
Managing unexpected business expense
How Does ABL work?
Asset-based lending (ABL) is a type of business loan that’s backed by your company’s assets, like equipment, inventory, or unpaid invoices. In other words, you use what your business already owns as collateral to secure funding.
Since these loans are secured, interest rates are typically lower than those of unsecured loans. And if a borrower can’t repay, the lender can recover some of the loan by using the collateral.
ABL is designed for businesses (not individuals), and it’s also commonly referred to as commercial finance or asset-based financing.
Who is ABL Typically a Good Fit For?
- Clients with varying cash flow and business seasonality.
- Asset-rich clients seeking capital for growth.
- Clients are restructuring their financial portfolios.
- Businesses with asset or inventory collateral.
ABL vs. Factoring
What’s the Difference?
While invoice factoring involves selling your receivables, ABL lets you retain ownership of them while using them to secure a revolving line of credit. If you want long-term flexibility and lower financing costs, ABL is often the better fit, especially for companies with broader asset bases and higher growth potential.
Curtis Sutherland
Head of Sales and Business Development
Curtis Sutherland is a highly experienced ABL professional with over 20 years of success in sales and portfolio management. Throughout his career, Curtis has built a reputation for developing innovative and practical solutions to complex financial challenges. His deep understanding of the lending landscape, combined with a client-first mindset, makes him a valuable resource for businesses seeking flexible financing options. Beyond the professional world, Curtis is a devoted family man who enjoys spending his free time outdoors—whether camping, golfing, or simply appreciating nature—as a way to recharge and stay grounded in a fast-paced industry.
