More flexibility, more funding power
Receivables only need to make up 25% of the facility
Unlock funding from existing assets to support acquisitions, company expansion, business investment, major contracts and working capital requirement.
Here's what sets Aldermore apart:
Receivables only need to make up 25% of the facility
Combine receivables, inventory, property, and plant and machinery
Facilities available from £1 million to £50 million
Every business growth journey is different. Aldermore’s asset based lending (ABL) helps established businesses unlock value from a mixture of assets to fund:
Our tailored asset based loans supports cash flow management, helps address business challenges and provides business cash flow funding to support your business growth strategy.
An asset based loan unlocks value from eligible business assets to provide funding for business growth and scaling up a business.
Every business growth journey is different. Aldermore’s asset based lending (ABL) helps established businesses unlock value from a mixture of assets to fund:
Our tailored asset based loans supports cash flow management, helps address business challenges and provides business cash flow funding to support your business growth strategy.
An asset based loan unlocks value from eligible business assets to provide funding for business growth and scaling up a business.
Receivables only need to account for 25% of the overall ABL facility, creating greater flexibility to structure funding around a wider mix of assets. A multi asset class can be combined within a single facility, including receivables, inventory, property and plant and machinery.
Funding is available from £1 million to £50 million, supporting a broad range of business requirements.
Business Development Manager
Business Development Manager
Business Development Manager
Business Development Manager
From a new business idea and delivering a market expansion strategy to acquisitions and ways to improve cash flow, explore our business lending solutions. Whether you're looking to grow a business or understand how to get funding for your business, find the route that best meets your business funding needs.
At Aldermore, we support SMEs with acquisition finance for a range of business needs, including:
Whether you're exploring business acquisition finance, considering a business purchase loan (through a bank) or looking for finance to buy a business, we take a practical approach to complex funding, structuring solutions around your business and ambitions.
We can also help you understand how to finance a management buyout and the options available for your circumstances.
Aldermore helps SMEs manage cash flow, release working capital and cover business costs with tailored business financing options, including cash flow lending and a flexible business loan.
Examples:
Unlike traditional asset based lending, which unlocks working capital from assets your business already owns, business asset finance can help SMEs fund specific assets and investment.
Business growth strategies and implementation plans often requires investment before the additional returns are realised. This can create cash flow issues and pressure, making it more difficult if you're looking to expand your business to fund expansion while continuing to meet every day operating costs.
Growing a business often requires significant upfront investment. Whether you're considering:
Accessing the funding needed to keep pace with growth can be a challenge.
For many businesses, finding the right way to fund these investments is a key part of scaling up a business successfully.
Even with a strong business growth strategy, growth can put pressure on day-to-day finances.
Additional costs often arise before new revenue is generated, making cash flow management more challenging. This can lead to business cash flow problems, particularly for companies that are scaling up a business.
Access to working capital finance or business cash flow loans can help bridge this gap, providing the flexibility needed to support expansion plans and achieve how to grow business ambitions with confidence.
A common challenge when growing a business is that valuable capital can become tied up in business assets, stock and outstanding customer invoices.
Without access to asset based finance, funds held in inventory and unpaid invoices may be unavailable to support day-to-day operations or future investment.
Businesses can also face delays caused by customer payment terms, creating reliance on invoice finance solutions, accounts receivable financing or support against a financial debtor book.
Outdated equipment, vehicles or premises can limit productivity, constrain growth and make it harder to meet customer demand.
Access to funding can help businesses:
Entering new markets or launching new products can be a significant growth challenge, often requiring additional expertise, investment and long-term planning.  Businesses may also compare funding options for business, innovative funding services, strategic equity capital and multi asset investment when considering how to expand a business or how to grow a business.
Developing a successful market expansion strategy or market expansion plan can take time, particularly when pursuing new market expansion or international expansion opportunities. Businesses may also need access to business growth funding to support product development, recruitment and operational costs.
In some cases, growth may be accelerated through acquisition finance or management buyout finance, while larger transactions may involve corporate finance mergers and acquisitions. Aligning these opportunities with a clear business development strategy is often a critical part of successful market expansion.
Business growth can include increasing revenue, expanding product lines, improving operational capacity, entering new markets or hiring staff.
For many SMEs, growth demands investment in equipment, technology, and physical assets, as well as the ability to unlock working capital from existing assets. When structured correctly, growth enhances competitiveness, resilience and long‑term profitability.
While working capital finance helps businesses manage short term operational cash needs, growth finance is typically used to support longer term expansion, such as investing in equipment, vehicles, technology or additional capacity.
ABL is a flexible funding solution that lets businesses borrow against the value of existing assets like machinery, property, stock and receivables.
When growth opportunities require investment or when capital is tied up in assets that could be leveraged.
Ideal for acquiring equipment, machinery, vehicles or technology needed for expansion.
Unlocks value from existing assets such as equipment, stock or receivables.
Invest in new or leverage cash from existing commercial property.
For operational expenses during growth.
Releases cash locked in unpaid invoices to fund expansion.
Structured funding for scaling activities such as hiring or market expansion.
Supports inventory and materials needed for growth.
Businesses can grow more sustainably by planning investment carefully and using funding that spreads costs over time. This can help support expansion while protecting cashflow for day to day operations.
Yes. Many SMEs use finance to invest in equipment, vehicles or expansion without putting pressure on day to day working capital. This can help preserve cash for operational costs while supporting growth.
Understand why growing SMEs can face cashflow pressure, even when profitable, and how working capital finance can support sustainable expansion.
Explore why SME growth can create cashflow pressure, how working capital gaps emerge, and how Invoice Finance or ABL may support sustainable expansion.
Learn how UK SMEs can fund growth, preserve liquidity and protect working capital by using asset finance to spread investment costs over time.
Subject to status. Security may be required. Any property or asset used as security may be at risk if you do not repay any debt secured on it.