
The Risks of Merchant Cash Advances
Discover the risks of Merchant Cash Advances and explore invoice factoring—fast, debt-free business financing for Canadian SMBs.
By unlocking your business’ accumulated equity,
Asset-based Lending makes additional working capital available to you.
Asset-based lending transforms your business assets into working capital, offering flexible business financing solutions to fuel growth. By leveraging your real estate, equipment, or inventory, our asset-based lending services provide fast, affordable funding—perfect for businesses needing quick access to business funds.
Asset-based lending is a form of alternative finance that uses your business assets as collateral to secure a revolving loan. Unlike traditional bank loans focused on credit scores, we evaluate the value of your assets—making it ideal for companies with strong collateral but limited cash flow. ABL provides a flexible, ongoing source of capital, allowing you to draw funds as needed and repay at your convenience, supporting growth, acquisitions, or turnarounds. It’s a versatile solution that can be paired with invoice factoring for maximized capital.
With 20 years of experience in alternative financing, Express Business Funding combines affordability, flexibility, and expertise to deliver unparalleled asset-based lending solutions. Our seasoned Expert Advisors take a proactive approach, deeply understanding your business, industry trends, and market dynamics to craft tailored financing strategies. We pride ourselves on reliability—our word is our bond—and provide personalized support to navigate seasonal cash flow gaps, seize time-sensitive opportunities, or fuel long-term growth. With rapid approvals and a commitment to your success, we’re your trusted partner in unlocking working capital and achieving your business goals.
Our team takes pride in being a trusted financial partner across Canada. We dive deep into your operations, identify pain points, growth opportunities, and deliver strategies that guarantee success. With EBF, you’re not just getting funds; you’re gaining a partner committed to your long-term growth and sustainability.
When your business falls short of qualifying for a traditional bank loan, or when seasonal cash flow gaps and urgent capital needs arise, asset-based lending offers a strategic alternative. By leveraging assets such as accounts receivable, real estate, equipment, or inventory, asset-based financing provides fast and flexible access to working capital without the strict requirements of conventional loans. At Express Business Funding, we specialize in delivering customized asset-based lending solutions in Canada, helping businesses of all sizes improve cash flow, fund growth initiatives, and stay competitive. If you’re seeking a dependable alternative business financing option to support your long-term success, our team is ready to help you thrive.
Ready to unlock working capital with assets? Our asset-based lending services offer a fast, flexible path to growth. Contact us now for a custom solution built for your business.
Discover the risks of Merchant Cash Advances and explore invoice factoring—fast, debt-free business financing for Canadian SMBs.
Discover how Express Business Funding helps businesses in unbankable situations recover, regain financial health, and return to traditional finance through tailored alternative funding solutions.
Learn the key differences between real estate finance and asset-based lending for Canadian business owners. Discover the right financing solution to fund growth, preserve capital, and manage risk.
Unlike traditional loans that rely heavily on credit scores and financial ratios, asset-based lending focuses primarily on the value of your business assets, offering greater flexibility and faster approvals.
Businesses experiencing rapid growth, seasonal fluctuations, or needing working capital often find asset-based lending a strong fit. It's also ideal for companies that do not fully meet traditional bank lending requirements.
Once the valuation process is complete, funding can be available in as little as a few days, helping you quickly meet cash flow needs and seize business opportunities.
Asset-based lending is generally lower risk than unsecured loans, as it relies on existing collateral. However, managing your asset base effectively is important to maximize funding benefits.
Yes. Asset-based lending can complement other forms of financing, such as invoice factoring or term loans, to create a comprehensive working capital strategy.
Reporting frequency depends on the structure of your agreement, but typically includes regular updates on asset condition and maintenance, accounts receivable aging reports, inventory levels, and financial statements.
Absolutely. Many businesses use ABL to expand operations, purchase additional inventory, hire staff, or invest in new market opportunities.
If asset values decline, it may impact your available borrowing base. Express Business Funding works proactively with clients to adjust structures as needed and maintain financial flexibility.
Not necessarily. Many businesses use asset-based lending alongside their existing banking services without disruption. We work collaboratively to fit into your broader financial strategy.
Factoring, also known as accounts receivable financing, involves advancing funds against a business's outstanding invoices, typically those less than 90 days old. It is a specific form of asset-based lending, where accounts receivable serve as the collateral for the advance. However, factoring usually focuses only on receivables. In contrast, broader asset-based lending can provide financing secured by a range of assets, including inventory, equipment, and sometimes real estate, offering businesses greater flexibility beyond just their invoices.
During due diligence, asset-based lenders review your business needs, financials, and overall business plan, specifically focusing on the assets you plan to leverage. They closely evaluate the quality, value, and liquidity of these assets, such as accounts receivable, real estate, equipment, or inventory, to determine how much working capital can be made available to your business.
Asset-Based Lending (ABL) requires that the assets used as collateral, such as receivables, inventory, or equipment, are not already pledged to another lender. Before proceeding, we advise a thorough review of your MCA contract. Our team can help assess your eligibility for ABL and, if applicable, support you in transitioning to a more flexible and cost-effective financing structure.
Asset-based lending allows businesses to draw on their receivables, inventory, or equipment as collateral, offering larger credit lines and scalable funding. MCAs, by contrast, are capped by sales volume and come with daily repayment pressure.
ABL solutions from EBF are structured with competitive rates and transparent terms, whereas MCA costs can escalate quickly due to aggressive repayment models and unclear fee structures.
Yes. ABL provides a recurring, scalable line of credit. MCAs are short-term instruments that often lead to repetitive borrowing cycles rather than sustainable financial planning.
We specialize in alternative financing solutions for businesses in need of capital injections that keep your business moving forward. Unlike traditional loans, our solutions are flexible and expedient – perfect for businesses needing working capital to cover taxes, payroll, inventory or any other business related expenses.
Unlock cash flow trapped in unpaid invoices with our flexible factoring solutions. Accelerate your working capital without taking on additional debt. No more waiting 30,60, or 90 days to get paid. Learn about invoice factoring today.
Explore FactoringLeverage your company’s assets, like real estate, to secure a credit facility. Ideal for businesses seeking growth capital or operational funding.
Explore ABLAccess capital by leveraging your existing equipment as collateral, providing you with the necessary funds for growth and innovation.
Explore EBLSpecialized financing solutions for companies in the restructuring process. Maintain operations while navigating financial transitions.
Explore DIP FinancingStrategic capital solutions for mergers and acquisitions. Facilitate growth through carefully structured financing packages.
Explore M&AExpert financial advisory services tailored to your business needs. Optimize capital structure and decision making.
EXPLORE CONSULTINGCopyright © 2025 Express Business Funding