Asset-Based Lending (ABL) · Metal Fabrication
Asset-Based Lending (ABL) for Metal Fabrication shops
Borrow against what you already own. We match metal fabrication manufacturers with the asset-based lending (abl) structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.
Why metal fabrication shops choose asset-based lending (abl)
You bought the steel in cash. You paid the welders on Friday. You cut, formed, welded, and shipped it. And now you're staring at a net-60 invoice from a GC or a Tier-1 that won't hit your account until August.
That's not a business problem — that's a working capital problem, and it has a clean fix. Factoring turns those invoices into cash within days. Equipment financing puts the next press brake, laser, or CNC on the floor without draining the checking account.
Asset-Based Lending (ABL) is one of the most direct ways to close that gap. Revolving lines secured by receivables, inventory, and equipment.
What metal fabrication shops get
- Line scales with your business
- Often more flexible than traditional bank debt
- Rates typically lower than factoring for the right profile
How it works
- 1The lender evaluates the value of your eligible collateral (AR, inventory, equipment).
- 2A borrowing base formula determines your available line.
- 3You draw and repay as needed, with monthly reporting.
Cash-flow realities we see in metal fabrication
- Steel, aluminum, and stainless prices swinging quote-to-quote
- GCs, OEMs, and Tier-1 suppliers on net-60 or net-90 terms
- Capital-intensive CNC, laser, waterjet, and press brake purchases
- Payroll for skilled welders, machinists, and programmers that can't slip
- Progress-billed structural jobs where you're carrying the project
Get referred for asset-based lending (abl)
Tell us the basics. We'll confirm the fit and tell you exactly what this program requires before you fill anything long.
- ✓ No application, origination, or closing fees
- ✓ No equity given up
- ✓ US-based metal fabrication shops only
Other programs that fit metal fabrication
Invoice Factoring for Metal Fabrication
Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
Explore Invoice Factoring for Metal FabricationEquipment Financing for Metal Fabrication
Finance new or used machinery, CNC, robotics, and production lines.
Explore Equipment Financing for Metal FabricationPurchase Order Financing for Metal Fabrication
Get the capital to fulfill large customer orders without straining cash flow.
Explore Purchase Order Financing for Metal FabricationFrequently Asked Questions
Yes — asset-based lending (abl) is one of the programs we most commonly place for metal fabrication shops. Established manufacturers with meaningful receivables, inventory, and/or equipment who want a flexible revolving line. Full mechanics: the Asset-Based Lending (ABL) program page. Sector overview: Metal Fabrication.
It depends on the program. Factoring often funds within days of account setup; equipment and working capital usually run days to a couple of weeks; SBA and larger term loans take longer. We tell you the real timeline up front.
No. We are an independent business financing referral service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.
No. Every program we refer is non-dilutive. You keep 100% ownership of your shop.
Yes. Used equipment financing is common in metal fab. Age and condition of the machine affect the rate and term, but partners will finance both dealer purchases and private-party deals, including auction buys with an invoice.
Job shops actually fit factoring well. Even small invoices can be factored in batch — often 85–92% advance within a day of invoice submission. The line grows automatically as you invoice more; there's no fixed cap.
ABL is a revolving line you draw against; factoring is the outright sale of specific invoices. ABL usually has lower cost of capital but stricter eligibility and monthly reporting requirements.
Ready to keep production moving?
Start with a quick app or a phone call. We'll tell you exactly what the right program requires. At no charge.
Apply. Fund. Deliver. No obligation.
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