Asset-Based Lending for Consumer Product Brands | Non-Dilutive Growth Capital

Access to growth capital is critical for any emerging consumer product business, but traditional funding options often require giving up ownership or waiting months for approval. Asset-based lending offers an alternative—flexible, non-dilutive financing secured by your company’s assets like inventory and receivables.

This allows you to access the capital needed to fuel growth without losing control of your business. This post explores how ABL can help consumer product companies scale, launch new products, and streamline operations with fast, tailored funding.

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What Is Asset-Based Lending?

Asset-based lending is a type of financing where a business uses its assets—such as accounts receivable (AR), inventory, or even equipment—as collateral to secure a loan. This option is particularly beneficial for businesses with strong sales potential but limited access to traditional funding sources. For consumer product companies, ABL can unlock capital tied up in inventory and receivables, offering a flexible and accessible financing option.

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Non-Dilutive Financing: Retain Control, Fuel Growth

One of the standout benefits of asset-based financing is that it is non-dilutive, meaning you don’t have to give up any equity in your business. Unlike venture capital or equity financing, ABL allows you to keep full control of your company while still securing the capital you need to grow.

For emerging businesses, this is invaluable. You’ve worked hard to build your brand, and selling off ownership for funding can feel like a risky trade-off. ABL ensures you don’t have to sacrifice your vision or control, enabling you to focus on scaling, launching new products, or expanding into new markets while keeping ownership and decision-making power.

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Tailored Funding for Consumer Product Brands

Every consumer product business has different capital needs, and ABL allows for tailored financing that aligns with your specific business model. Whether you’re a digital retailer, a wholesaler, or a manufacturer, asset-based lending provides flexibility in how funds are used, whether to boost inventory, fulfill orders, or fund marketing campaigns.

For example, if your business has strong sales but tight cash flow, you can unlock capital based on your accounts receivable or inventory. This gives you the freedom to keep operations running smoothly without the delays that can come with traditional financing, such as waiting for investors or bank approvals.

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Quick Access to Capital

The speed at which capital can be accessed is crucial for businesses looking to seize time-sensitive opportunities. With asset-based lending, you can secure funding within days, not weeks or months like traditional loans. This quick access to capital ensures your business can stay agile and responsive to market demands, whether you are launching a new product, stocking up on inventory, or responding to unexpected growth.

Moreover, the application process for ABL is streamlined, with minimal paperwork and quick decision-making. This makes it easier for consumer product businesses to act fast, whether you're expanding your product line or taking advantage of seasonal demand.

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Streamlining Operations and Improving Cash Flow

Managing cash flow efficiently is key to sustaining growth in a consumer product business. Asset-based lending improves your cash flow by unlocking capital tied up in inventory and receivables. Instead of waiting for customer payments or dealing with inventory gaps, ABL allows you to get the working capital you need to produce, market, and sell your products.

For example, if you need additional capital to meet growing customer demand, asset-based lending provides a way to quickly access the necessary funds to fulfill orders, restock inventory, or ramp up production. This ensures your business is prepared for growth without the risk of operational slowdowns or missed opportunities.

Additionally, asset-based lending is designed to scale with your business. As your sales and assets grow, the amount of capital available to you can increase, providing a continuous flow of funds to support expansion.

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How to Leverage Up to $25 Million in Growth Capital

Emerging consumer product brands often need significant capital to make a lasting impact in the market. Asset-based lending provides lines of credit of up to $25 million, based on your company’s inventory and receivables. This amount of funding can be used in various ways to fuel growth:

• ‍Product Development: Invest in research, development, and marketing for new products.‍
• Inventory Management: Stock up on inventory to meet customer demand, especially during peak seasons.‍
• Marketing & Brand Building: Launch campaigns to increase brand awareness and drive sales.‍
• Market Expansion: Expand into new regions or retail channels, whether online or in physical stores.

With this level of funding, you can scale operations, increase production, and drive growth without the risk of equity dilution or waiting for investor funding.

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Unlock Your Business’s Potential with Assembled Brands

For consumer product businesses looking for a reliable source of growth capital, asset-based lending offers a flexible, non-dilutive solution that can help you scale, launch new products, and streamline operations. By securing funding against your company’s assets, you can access the capital you need quickly, maintain control of your business, and fuel your long-term growth.

Whether you’re a retailer, distributor, or manufacturer, asset-based lending provides a valuable financing option designed to meet the unique needs of emerging consumer product brands. Reach out to an asset-based lender today to explore how this financing solution can unlock your business’s full potential and drive sustainable growth.

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Ready to fuel your growth? Apply now with Assembled Brands to unlock the capital your business needs to scale.

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