More flexibility, more funding power
Receivables only need to make up 25% of the facility
Unlock funding from existing assets to support business recovery, refinancing, working capital and cash flow solutions.
Here's what sets Aldermore apart:
Receivables only need to make up 25% of the facility
Combine receivables, inventory, property, and plant & machinery
Facilities available from £1 million to £50 million
Every business transformation journey is different. Aldermore’s asset based lending helps established businesses unlock funding from current assets to support:
Whether replacing existing business funding or consolidating facilities, Aldermore can help you navigate change.
Our business transformation solutions provide flexible funding to support growth in business, improve liquidity and create stability.
An asset based loan unlocks value from eligible business assets to provide funding for business growth.
Every business transformation journey is different. Aldermore’s asset based lending helps established businesses unlock funding from current assets to support:
Whether replacing existing business funding or consolidating facilities, Aldermore can help you navigate change.
Our business transformation solutions provide flexible funding to support growth in business, improve liquidity and create stability.
An asset based loan unlocks value from eligible business assets to provide funding for business growth.
Receivables only need to account for 25% of the overall ABL facility, creating greater flexibility to structure funding around a wider mix of assets. Multiple asset classes can be combined within a single facility, including receivables, inventory, property and plant & 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
Periods of change can bring new funding needs. Aldermore’s asset based lending helps established businesses unlock funding from current assets to support:
Explore Aldermore’s business transformation solutions to find flexible funding that helps improve liquidity, create stability and support your business through change.
Funding designed to help businesses review existing borrowing or lending arrangements, consolidate facilities and create a funding structure that better supports future business plans.
Suitable if you:
Aldermore’s asset based lending can help you explore funding options against eligible business assets to support refinancing and restructuring.
Unlock funding from business assets already held within your business to improve liquidity in business, strengthen business resilience and create greater financial flexibility during periods of change.
Suitable if you:
Aldermore’s asset based lending can help you access funding against eligible assets to support cash flow and changing business needs.
Funding to help viable businesses navigate periods of business change and loss of income, creating a more stable platform for future SME growth.
Suitable if you:
Aldermore’s asset based lending can help established businesses unlock funding from eligible assets to support recovery plans, improve liquidity and create additional funding headroom.
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.
As your business evolves, your funding requirements often change too. A facility that once worked well may no longer offer the flexibility or headroom you need to support:
Existing business financing lenders may no longer be the right fit, a facility renewal might trigger a review of funding arrangements, or traditional lending may no longer provide sufficient flexibility.
When funding structures fail to keep pace with the business, it can restrict flexibility, limit future opportunities and make it harder to access the right funding for business at the moments it is needed most.
Periods of transformation can put pressure on your business as you balance long term objectives with day-to-day operations.
While delivering change, you still need to support:
Whether you're restructuring, making organisational changes or delivering a wider transformation programme, maintaining stability while moving forward can place additional pressure on funding, liquidity and operational flexibility.
For many businesses, the challenge is not the strategy itself, but ensuring sufficient funding flexibility is available throughout the transition.
Your business may already hold significant value in its existing assets, but accessing that value isn't always straightforward when additional funding is needed.
Capital can be tied up in:
Traditional lending or single-asset solutions may not unlock sufficient funding, leaving businesses with less flexibility during periods of transition.
In many cases, the value required to support change already exists within the business but remains tied up in its assets.
As your business grows and evolves, you may build up different funding facilities to meet changing needs. While each may serve a purpose, managing multiple lenders and arrangements can create complexity and make it harder to see the bigger picture.
This can mean:
Bringing facilities together into a more joined-up structure can help improve simplicity, flexibility and control.
Your business may have a clear strategy, a strong management team and a credible plan for the future, but delivering that change can require additional funding.
Whether you're restructuring operations, improving efficiency or building a stronger platform for future growth, access to liquidity can help you:
Without the right funding structure, delivering your plans can become more challenging and opportunities may be delayed.
For established businesses, transformation isn't always about survival. It's about creating stability, unlocking additional flexibility and having the confidence to move forward with certainty while delivering long-term change.
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.
Asset backed lending can help established businesses unlock funding tied up in assets such as:
This can provide additional working capital and financial flexibility to help your business manage and invest through periods of transformation.
Delivering a business transformation plan doesn’t mean everything else comes to a stop.
Having the right business funding in place can help provide the financial flexibility needed to support your business transformation strategy and implementation.
Through asset based lending, our business transformation solutions could support:
Business transformation finance can help businesses unlock funding through their existing assets, using asset based lending to release working capital and support cash flow.
If you’re looking to make significant changes to your business, from business restructuring and business refinancing to investing in new assets or changing how your business operates, Aldermore’s specialist asset backed finance experts can provide funding to support your transformation plans.
At Aldermore, you have a few options on how you could contact us to discover your next steps of your business transformation planning (including restructuring and refinancing).
1. Submit an enquiry form
By submitting an enquiry form, you’ve taken the first step towards unlocking your business potential and ambitions.
Our specialist asset based lending team will be in touch to understand your business, your goals and the funding you need to move forward.
As a specialist bank, we know successful businesses don’t always fit standard lending criteria. Our aim is to provide you with confidence from day one. We’ll take a practical approach to complex funding infrastructure requirements, with solutions shaped around your circumstances. This includes:
From here, we can proceed with the next steps of your asset based loan application for business transformation.
2. Get in touch with our Regional Business Development Managers
We know that when you’re making important decisions about your business, having a consistent point of contact can make things easier.
If your transformation roadmap and plans are taking shape and you’re ready to explore your funding options, our Regional Business Development Managers are here to help.
For new enquiries, we recommend submitting your enquiry first. This gives our team time to understand your business, your plans and your funding requirements before you speak with a Business Development Manager.
When growth opportunities require investment or when capital is tied up in assets that could be leveraged.
Asset finance is often a suitable option for buying equipment, as it allows businesses to spread the cost over time rather than paying upfront. The right solution will depend on the type of asset, how long it will be used for and the needs of the business.
Learn how SMEs can build cashflow resilience through stronger forecasting, debtor management, supplier alignment, liquidity buffers and flexible funding.
Discover how flexible finance solutions can better support business growth, working capital and investment.
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.