Convert your accounts receivable, inventory, and equipment into a flexible revolving credit facility. St. Jude Capital structures institutional Asset-Based Lending (ABL) facilities designed for growing, asset-rich B2B companies requiring greater liquidity than traditional bank financing permits.

Unlocking Liquidity from Your Balance Sheet

Eligible Assets We Finance

Accounts Receivable: High-advance revolving line against credit-worthy commercial invoices.
Inventory: Raw materials, work-in-progress, and finished goods inventory credit lines.
Machinery & Equipment: Term loans secured against unencumbered heavy machinery, fleets, and plant equipment.

Why Asset-Based Lending?

Higher Borrowing Capacity: Access more capital by leveraging your full asset base.
Flexible Financial Covenants: Fewer operational restrictions compared to traditional senior bank debt.
Scales With Operations: As your receivables and inventory grow, your credit line expands automatically.

Unlike conventional commercial bank loans that restrict borrowing based on rigid debt-to-equity ratios, ABL focuses on the raw value of your collateral.

Key Facility Features

Facility Size: $250,000 to $5,000,000+
Borrowing Base: Up to 85% on Eligible Accounts Receivable | Up to 50%–70% on Inventory & Equipment
Structure: Revolving Line of Credit or Term Debt
Best For: Refinancing, M&A, Rapid Growth, Turnarounds, & CapEx

How Asset-Based Loans Work?

1. Borrowing Base Submission: Provide your current A/R aging, inventory summary, and equipment list.

2. Facility Structuring: St. Jude Capital establishes a tailored revolving line based on appraised collateral values.

3. Liquidity Deployment: Draw down cash as needed to fund operations, payroll, or expansion.

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