ASSET BASED LENDING

Borrow against your business assets

Don't let cash flow hold your business back. Asset based loans are a flexible solution that turn your assets into cash, giving you the power to grow, restructure, or simply keep your operations running smoothly.

Borrow from £1 million to £50 million

Ideal for larger businesses who want to leverage their assets to raise funding for growth or restructuring

Apply without impacting your credit score

Apply now

Already a Tide member? You can apply for asset backed loans and other finance directly within the Tide app.

Tide has joined forces with Funding Options, becoming the largest credit marketplace in the UK.

Providing over £1 billion in funding to more than 17,000 UK businesses, we’re on a mission to help business owners grow with confidence.

What can be used to secure an Asset Based Loan?

Stock and inventory

Raw materials, finished goods, packing materials etc

Equipment and machinery

Office equipment, PPE, vehicles, construction machinery etc

Real estate

Any property or land that your business owns

Intellectual property (IP)

Any patented inventions or copyrighted work

Debtors

For example an individual or company that owes your business money

Are you eligible for an Asset Based Loan?

Your eligibility depends on the type of finance you’re looking for, the amount you’re after, and the financial stability and turnover of your business.

Who’s eligible for Tide’s Asset Based Loans?

To be eligible for any type of business loan or credit from Tide, you must:

Be over 18

Be a UK resident

Have a UK-based business

Have a UK bank account

What do you need to apply for Asset Based Lending?

Basic information about your business, such as how old it is, and your annual revenue

Information on directors and shareholders

Bank statements covering the past year

Depending on your business and the finance you need, the criteria may differ.

Apply now

We've already helped businesses secure more than £1 billion

We’ve provided funding to more than 17,000 businesses across the UK, as part of our mission to help business owners grow with confidence.

How to apply for an Asset Based Loan

Applying through Tide is simple - we'll find a lender tailored to your business, and we only need a few details from you.

Tell us how much you need to borrow We’ll ask you how much you need, what it’s for, and for some basic information about your business.

Compare loans without impacting your credit score We’ll connect you to the largest network of lenders in the UK, so you can view affordable credit options that suit the unique needs of your business.

Apply in minutes Once approved, you’ll receive a quote from a lender you matched with.

Get a decision and receive your funds Depending on the type of finance you’ve applied for, money could be available in around 24 hours.

Apply now

Access a range of business funding options from our trusted partners

What is Asset Based Lending?

Asset based lending (ABL) is a type of business finance that uses your business assets as collateral to secure a loan.

To determine eligibility for an asset based loan, lenders look at your cash flow, forecasts and the value of your assets - like inventory, equipment and accounts receivable.

This will help them determine a borrowing base - the amount that they are willing to loan. You’ll then be able to draw on this pot as needed, with the amount of available credit fluctuating as the value of the collateral changes.

The loan is backed by the value of your assets, providing you with a more flexible and scalable source of funding, ideal if you’re looking for a cash flow boost or need financial support for growth.

What are the benefits of Asset Based Loans?

Cash flow

Turn your assets into cash to improve your working capital and fund future projects.

Lower interest rates

Asset based finance is generally considered lower risk than unsecured loans, so you can expect lower interest rates.

Scalability

Your borrowing capacity grows as your business and its assets increase in value.

Aaron MoOng Ong Buns

With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business.

Get funding today

Alternatives to Asset Based Lending

Business Loans

Get funding for larger business investments or long-term growth.

Explore Business Loans

Business Credit Cards

Manage cash flow, earn rewards and build your business credit score.

Explore Credit Cards

Merchant Cash Advance (MCA)

Access flexible funding that you’ll repay as a percentage of your daily card sales.

Explore MCA

Invoice Finance

Unlock cash from unpaid invoices, improving immediate cash flow.

Explore Invoice Finance

How to track your business credit score

Are you wanting to improve your business credit score?

Credit Score Insights is a simple and affordable way to help you understand, track and take action to help you boost your business credit score.

Track your credit score

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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