Asset Based Lending for capital you have already earned.
Creative-Fi arranges asset based lending through a network of banks and lending partners, funded in days once approved.
No documents to start · No credit pull · No obligation
“Companies get more room to operate their business without restrictive financial requirements.”
Head of Asset-Based Lending, J.P. Morgan
Built around your cash flow.
Three structures, all sized to how fast you need capital and what you have to lend against. Whichever fits, a quick call is the fastest way to see your full range of options, including our core Creative-Fi program.
Receivables financing
Borrow against outstanding invoices you've already issued. You keep managing the customer relationship and collecting payment yourself.
Merchant cash advance
An advance against future card or bank sales, repaid through a fixed daily or weekly percentage of revenue.
Factoring
Sell outstanding invoices to a funding partner at a discount for immediate cash, and let them handle collection directly.
Cash now, not in 90 days.
of invoice value advanced immediately upon approval
typical funding window once a facility is approved
days of receivable wait time eliminated
receivables, inventory, and equipment can be combined to secure one facility
Ranges reflect commonly published advance rates and funding windows across receivables and factoring lenders. Advance rates, timing, and structure vary by lender, invoice quality, and file.
Where asset based lending fits.
- You need capital in days, not weeks
- You have strong receivables or consistent daily revenue to lend against
- You'd rather draw on assets you already hold than add long-term debt
- You want a facility that can grow as your receivables grow
Straight answers.
What is receivables financing?+
Receivables financing lets you borrow against invoices you've already issued. You keep managing the customer relationship and collecting payment yourself, and the invoices serve as collateral for funds delivered up front.
What is factoring?+
Factoring means selling your outstanding invoices to a funding partner at a discount in exchange for immediate cash. The factor then collects payment directly from your customers.
What is a merchant cash advance?+
A merchant cash advance provides capital based on your future card or bank sales, repaid through a fixed daily or weekly percentage of revenue rather than a set monthly payment.
Will my customers know I'm using a factor?+
Usually, yes. Factoring typically involves your customers being notified to remit payment to the factor.
Can I combine this with another Creative-Fi product?+
Yes. We work to find a good solution for whatever your need is across all of our product options, and that often means combining them: a short-term asset based facility alongside working capital, an equipment lease, or a real estate transaction. Tell us the whole picture on the first call and we will structure around it.
Ready to see your actual options?
No documents, no credit pull, no obligation. Tell us about your business and we'll tell you, plainly, what fits.