Asset-Based Lending


Our asset-based lending solutions allow you to maximize the value of your assets to free up working capital and help you achieve your growth goals. From manufacturers and distributors to service businesses and retailers, we are committed to the success of middle market companies nationwide. You can always count on our team of experts to structure a flexible, customized asset-based solution that's right for you. Our industry knowledge combined with the strength and resources of EverBank provides your business with the complete financing package you need.

Flexible and cost-effective solutions

Asset-based lending allows you to obtain revolving lines of credit and term loans secured by the assets of your company. We offer customized working capital solutions for transactions starting at a minimum of $5 million.

Products & Structures

Choose from our flexible products and structures, and keep in mind term loan products are available only in conjunction with revolving lines of credit.

Revolving Lines of Credit

  • Terms ranging from 3-5 years
  • Advance rates up to 85% of eligible accounts receivable, plus up to 65% of eligible inventory

Stretch Cash Flow Term Loans

  • Available with adequate cash flow
  • Amortized up to 3 years
  • Not to exceed 20% of the total facility

Term Loans

  • Amortizations up to 7 years for machinery and equipment, plus up to 15 years for real estate
  • Advance rates up to 85% of net orderly liquidation value of machinery and equipment, plus up to 60% of fair market value of real estate

industries served

  • Retail
  • Transportation
  • Seafood
  • Lumber
  • Automotive parts
  • Energy
  • Aviation
  • Healthcare
  • Publishing
  • Industrial
  • Technology
  • Telecommunications
  • Wholesale

Use of proceeds

  • Growth opportunities
  • Acquisitions & refinances
  • Recapitalizations
  • Leveraged buyouts
  • Seasonality
  • Restructurings & turnarounds

Program Highlights

Minimum Transaction size
Revolving line of credit terms
3-5 yrs
Term Loan Amortization up to
15 yrs
Stretch Cash Flow Term loan Amortization Up To
3 yrs

Spotlight Deals

A Breadth of expertise—DEFINED BY PERFORMANCE