Asset-Based Lending for Bank & Referral Partners | AFS

When Your Clients Need Financing Beyond Traditional Lending.

Help your clients access the financing they need, even when traditional lending isn’t an option, while strengthening the relationships you’ve worked hard to build.

Refer a client

The Right Financing Solution Can Make All the Difference.

Not every financing need fits traditional lending criteria. Whether your client is experiencing rapid growth, facing financial challenges, or needs a more flexible credit structure, AFS can help you explore alternative financing options.

Rapid Growth

Your client’s financing needs are growing faster than their existing credit facility can accommodate.

Challenged Credits

Declining profitability, operating losses, covenant violations, or other financial challenges are limiting access to conventional financing.

Highly Leveraged
Businesses

Your client’s capital structure or balance sheet falls outside traditional lending requirements.

Acquisitions & Ownership Transitions

Your client needs financing to support an acquisition, buyout, or change in ownership.

Seasonal Working Capital

Fluctuating demand or operating cycles create financing needs that conventional credit facilities may not adequately address.

Bank Lending Limitations

Your client has outgrown existing lending limits or requires a financing structure beyond their bank’s capabilities.

A Financing Partner You Can Count On.

When you refer a client, your reputation is on the line. You need a financing partner who understands the importance of responsiveness, communication, and execution.

Accounts Receivable Financing

Revolving lines of credit secured by eligible accounts receivable, helping your clients turn outstanding invoices into available working capital.

Inventory Financing

Additional borrowing availability supported by eligible inventory, helping your clients finance purchases, maintain stock levels, and meet customer demand.

Machinery & Equipment Financing

Financing backed by machinery and equipment to support additional capital needs.

Fast, Local
Decision-Making

With localized signing authority and closely coordinated lending teams, we can evaluate opportunities and make decisions quickly.

Executive Involvement

Our executive team is involved from the outset, providing experienced leadership and continuity throughout the financing process.

Flexible Financing Structures

We structure facilities around each borrower’s assets and financing needs, including the ability to accommodate seasonal fluctuations and business growth.

Streamlined
Execution

Our business development, underwriting, and relationship management teams work together to move transactions efficiently from initial evaluation through closing.

Ongoing Communication

We keep referral partners informed as opportunities progress, providing updates on financing decisions and next steps.

Keep the Relationship.
We'll Help With the Financing.

For banks, referring a client to AFS doesn’t have to mean losing the relationship.

AFS provides asset-based financing for businesses that may no longer qualify for conventional bank credit, allowing referring banks to maintain valuable relationships and potentially retain depository and other fee-generating services.

As a borrower’s financial position improves, the lending relationship may transition back to the referring bank without AFS exit fees.

The Benefits for Referring Banks:

Preserve valuable client relationships.
Maintain opportunities for depository and other fee income.
Provide clients with financing alternatives when traditional bank credit isn’t available.
Create a potential pathway back to conventional bank financing.

A Straightforward Process. Clear Communication.

We offer a streamlined lending process, typically three to five weeks, and a referral process designed to make it easy to introduce clients, evaluate financing opportunities, and keep you informed.

AFS Referral Process

Initial
Discussion

Contact AFS to discuss your client's financing needs and potential fit.

Client
Introduction

Introduce your client to AFS. We'll discuss their business, financial position, and financing needs.

Financial
Review

Our team reviews the client's financial information and evaluates potential financing options.

Financing
Proposal

If the client is a good fit, AFS prepares a proposal and updates the referral partner.

Documentation
& Closing

Once accepted, AFS coordinates documentation and closing, keeping the referral partner informed.

Ideal Referral

Profile

Facility Size

$1MM to $20MM+

Annual Revenue

$10MM to $250MM

Industries

Manufacturing, distribution, wholesale, food and beverage, transportation, logistics, staffing, printing, government contracting, and other commercial and industrial businesses.

Financing Needs

Growth, refinancing, acquisitions, seasonal working capital, recapitalizations, and turnarounds.

Refer a Client

Frequently Asked Questions

What types of clients should I refer to AFS?

We work with commercial and industrial businesses that have eligible accounts receivable and need financing for growth, refinancing, acquisitions, seasonal working capital, or challenging financial situations.

Can AFS finance companies that no longer qualify for bank financing?

Yes. We work with businesses experiencing operating losses, high leverage, covenant violations, declining financial performance, and other circumstances that may fall outside conventional bank lending requirements.

Can a client eventually return to their referring bank?

Yes. When a borrower’s financial position improves, the lending relationship may return to the referring bank without AFS exit fees.

How long does the financing process typically take?

Our streamlined lending process typically takes three to five weeks from initial review through closing.

Will I receive updates on my referral?

Yes. AFS communicates the outcome of the initial evaluation and keeps the referral partner informed as the financing process progresses.

What information is needed to evaluate a referral?

We begin with a discussion of the client’s business and financing needs. If the opportunity appears to be a fit, our team will request financial information to evaluate the proposed financing.