310.444.7939

310.444.7939

A Leader in Asset-Based Lending Since 1981

Reliable Capital.
Flexible Financing. Trusted Partner.
Proven Results.

For more than 40 years, AFS has provided customized asset-based lending solutions to help businesses unlock working capital from accounts receivable, inventory, and equipment. We support small to mid-sized companies during periods of growth, transition, and special situations, offering working capital solutions up to $20MM+.

Whether you're a business navigating expansion, a turnaround, or a strategic transaction, or a bank, private equity firm, advisor, or intermediary seeking creative financing for a client, you can rely on AFS for tailored lending solutions backed by deep expertise and a commitment to execution.

What We Offer

  • Loan Type: AR & Inventory revolvers with Machinery & Equipment term loans
  • Loan Size: Line commitments from $1MM to $20MM+
  • Use of Proceeds: Refinancing, growth financing, recapitalizations, leveraged buyouts,  and acquisitions

Our Clients

  • Annual Sales: $10MM and $250MM
  • Industries: Commercial & industrial businesses including manufacturers, distributors, wholesalers, food & beverage, transportation, staffing, printing, government contractors, oil & gas,  service companies, and many more.
  • Business Needs: Rapid industry or business growth, acquisition financing, seasonal business cycles, challenged credits with overdrafts, negative cash flows, working capital, or operating losses, highly leveraged or adverse credit history.

What sets AFS apart? 

  • Deep Industry Expertise: Our professionals bring extensive backgrounds experience across traditional banking, alternative lending, private equity, and various sectors of commercial finance, enabling us to understand the unique challenges and needs of borrowers from all angles.
  • High Quality and Flexible Loan Structures: AFS distinguishes itself through its proven track record of delivering high quality and flexible loan structures from a team of seasoned lending professionals.
  • Streamlined Underwriting and Approval Process: Our business development and credit committee teams work in close partnership from the initial pre-screening stage through proposal issuance and final due diligence, ensuring alignment, transparency, and timely execution.
  • Seasonal Stretch Capabilities: AFS has the experience and flexibility to accommodate seasonal fluctuations in cash flow, structuring facilities that provide liquidity during peak operating periods.
  • Relationship-Focuses Approach: Our portfolio includes client relationships spanning more than 20 years, a testament to our long-term commitment and ability to support clients across multiple economic cycles.
 Request Financing or Refer a Client

Do you have a client in need of financing? Our referral process is simple.

Referral source (RS) provides
an introduction to client.

AFS meets with referred client .

AFS communicates meeting results to RS.
a) qualified b) not qualified c) client not interested.

AFS receives client's financial package
a) client is a good fit and a proposal is issued
b) client is not a good fit.

Upon acceptance of a proposal, AFS provides RS with a timeline for issuance of loan documents and funding.

Surpassing Your Expectations

We are in the business of supplying working capital, but it’s our human capital that is our greatest asset. Our team of professionals are guided by our core principles of quality, integrity and transparency. While the modern age of technology has changed how we do business, we still believe in the importance of the human connection.

“When we first began this relationship, we didn’t know much about Austin Financial Services. After an exceptional experience during the underwriting and credit process, I was assured that the client service and relationship management side would be even better.

I’m here to say that AFS has not only delivered on that promise but has truly exceeded my expectations.”

– CEO, Private Equity Group

Third-Party
Logistics Company

ABL Revolver

$12MM

2025 Closing

Proceeds were used to support new customer acquisition and offset costs stemming from tariff pressures.

Cybersecurity Advisory
and Training Firm

ABL Revolver

$3.75MM

2025 Closing

Proceeds were used to refinance the company's previous bank financing and provide working capital to support the company’s strategic initiatives.

Online Retailer of Consumer Products

AR and Inventory Revolver

$9MM

2025 Closing

Proceeds were used to pay down higher-cost debt, introduce new product lines, and increase inventory.

PE-Owned Tree
Services Company

AR Revolver

$5MM

2025 Closing

Proceeds were used to refinance the existing bank facility and provide additional working capital to support projected revenue growth.

Specialty Plant-Based Food Manufacturer

AR and Inventory Revolver

$4MM

2025 Closing

Proceeds were used to fulfill new customer orders and support the company’s ongoing working capital needs. 

Domestic & International Mail Service Provider

AR and Inventory Revolver

$5MM

2025 Closing

Proceeds were used to support the company's restructuring and growth initiatives.

Asset Based Lending - Working Capital

We want to simplify the way you do business and help you get back to doing what you do best. Loosening the proverbial financial grip that lenders have on their clients, and providing more cost effective alternatives to expensive lines of credit and heavy-handed factoring deals is why ABL is such an effective funding strategy.

Whether looking for capital to satisfy payroll or an influx of cash to combat market fluctuations, AFS can put your assets to work by creating custom lending solutions to support the capital requirements of your business in a timeline that's suitable for your needs.

Don't let assets just sit on your balance sheet, put them to work for you today. 

Accounts Receivable Financing

Accumulating accounts receivables shows you are making the sale, but payment terms can crush a business that doesn't have excess cash on hand. AFS can accelerate your cash flow by lending money against these future payments so you can continue to grow your business to the next level. 

Inventory Financing

Inventory is much more than just a finished product or raw materials in a warehouse, it's an untapped asset that can be leveraged to secure funds when a business needs it most. Whether taking advantage of a great deal on a new product or gearing up for a busy sales season, use your inventory to do more than simply collect dust. Brush it off and put it to work for you, utilizing AFS's financing products.

Equipment Financing

Equipment is the workhorse of any business. Choosing the right equipment can make all the difference when you're looking to reduce costly errors and create greater efficiencies to improve the way you do business and grow market share. Allow this workhorse to do double duty for you by leveraging the value of your equipment collateral to help support your working capital requirements.

Stretch Financing

 Business is unpredictable and as daily working capital needs fluctuate, having access to credit ensures you rest easy knowing your commitments are being met and your business can continue to run seamlessly.

During these unexpected ups and downs, you may find yourself lacking the financing coverage your business requires. That's when AFS can stretch beyond traditional ABL to bridge the financial gaps and smooth out the rocky path to success.

Request Financing or Refer a Client