Leverage your short- and long-term assets to fund growth activity including:

  • Organic Growth
  • Mergers & Acquisitions
  • Recapitalization & Restructuring


Asset-based loans are highly structured financings tailored to each client’s specific objectives. Asset-based loan underwritings focus on the value of the borrower’s asset as well as its cash flow, allowing asset-based transactions to be structured with less restrictive covenant packages than traditional commercial loans. This makes asset-based financing attractive to companies with volatile earnings, seasonality, cyclicality or generally thin margins.


Why Citizens Business Capital

As one of the nation’s leading asset-based finance providers, we offer expertise, competitive pricing and a breadth of options:

  • Revolving credit facilities
  • Fixed or floating rate term loans
  • Syndicated loans in conjunction with our dedicated asset-based finance Capital Markets team
  • “Hybrid” asset-based capital structures combined with cash flow term loans that allow companies to borrow beyond the value of collateralized assets
  • Creative structures that include options like First in Last out (FILO) loans that “stretch” the collateral value
  • Prime and LIBOR interest rate options


Work with an experienced Business Capital Specialist who will:

Learn More about how our Asset-Based Lending solutions can support your business needs.

Contact US

Patrick Bickers

Managing Director


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