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Back to Business Lending

Asset Based Lending

Unlocking the value tied up in your balance sheet.

Why Shawbrook?

Cultivating strong connections with our customers is our top priority. That's why our dedicated client managers oversee only small portfolios, ensuring that your interactions with us are as seamless and straightforward as possible.

Asset Based Lending highlights

For businesses with substantial value tied-up in their balance sheet, our Asset Based Lending (ABL) solution can unlock that value to provide both strategic capital and the on-going financial headroom needed to support pivotal events. A covenant-lite and flexible funding solution designed around the specific characteristics and needs of each client, an ABL structure can provide certainty and puts the customer in control – only drawing funds when required.

About our Asset Based Lending solution

  • Facilities from £1m - £35m
  • Flexible structures covering debtors, stock, plant & machinery (P&M), property, and cash flow lending
  • No collateral caps and up to 30-year amortisation on property, with optional interest only periods
  • Multi-Asset Revolvers covering stock, plant and machinery and property, protect cash in business to increase liquidity and drive growth
  • Security: senior all asset debenture. Parental and cross guarantees may also be required
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Hybrid Solutions

For businesses we can deliver a holistic financing package combining the best of event driven term debt with the flexibility of working capital solutions.

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Working with your business

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Event financing

Acquisitions, management buy-outs, employee ownership transitions, re-structuring, investing for growth. These are pivotal events for any business, and almost always dependent on access to funding.

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Assets & equipment

Funding to support investments in assets and equipment. Whether it’s leasing or purchasing capital equipment or machinery, or funding significant investment in soft assets or intangible costs associated to CapEx.

Outstanding in your field

We work with most sectors across the UK. Here’s a spotlight on some of the sectors we work with.

Asset Based Lending case studies

Find out more about the businesses we have supported with Asset Based Lending.

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Case Study

Genius Foods boosts production lines with multi-faceted ABL package

Gluten free manufacturer, Genius Foods has secured a £7.5m Asset Based Loan to re-finance an existing invoice finance line and improve efficiencies within the business, following the acquisition by Germany- based confectionary business, Katjes Group last year.

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Case Study

Family-owned wholesale gift supplier Widdop Bingham transfers to fifth generation of ownership

Widdop Bingham & Co Ltd, a family owned wholesale gift supplier is preparing for its next phase with fifth generation members of the Illingworth family, taking ownership of the business as joint MDs in a deal being supported by Shawbrook.

Adviser or Business Introducer?

We work with a range of corporate debt advisers, accountants, lawyers, and other knowledge based introducers to find solutions for their clients.

If your business is introducing clients to the right partners and we haven't spoken before, we understand that a conversation is just the start.

Explore our Business Lending products

Leveraged Finance

A senior debt product designed for established businesses requiring funding for growth, an acquisition, change of ownership or other general corporate purpose.

Asset Finance

When you’re faced with the need to replace essential equipment, invest in new equipment, or increase capacity, we can offer a range of products that could help manage the cost – including hire purchase, leasing and sale and leaseback.

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Unsecured Business Loans

Finance for specialist needs including Professions Finance to support tax, VAT and membership fees, and CapEx Term Loans to support the acquisition of assets or intangible costs associated with capital expenditure purchases.

Supporting the businesses you support

Explore our funding solutions for Private Equity investors supporting UK mid-market SMEs.

Useful information

Useful links to more information in case you’ve not quite found what you’re looking for.

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Contact us

If you need to get in touch with our team, you'll find the right person here.

Help with our products

If you're an existing customer or you've got questions on how our products work, visit our help centre for support.

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Business insights hub

We break down the latest data, insights and topics to help SMEs understand the key issues affecting their business.

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News & case studies

Read our latest news and find out more about the businesses we have supported.

Our business

About Shawbrook

Shawbrook provides finance to a wide range of customers who value the premium experience, flexibility and certainty we deliver.  We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

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Sustainability

Our sustainability strategy is designed to create value for our customers, colleagues, communities, suppliers and shareholders, while having a positive impact on society and the wider environment. 

Saracens sponsorship

As official banking partner of Saracens Rugby Club, we are proud to champion elite women’s sport by supporting the growth of both women’s rugby and netball as lead sponsor of the Mavericks.