Asset Based Lending
Corporate debt advisory for growing businesses. From working capital to receivable financing, structured for incorporated companies across North America.
Asset Based Financing For Canadian And US Businesses
Growth outpaces cash flow before it outpaces ambition. A business can win the contract or place the order and still stall waiting on capital to catch up. Lantern Capital closes that gap, drawing on our team's experience at leading banks and lending partners across North America to structure financing around how a business actually operates.
That means revolving lines against receivables, inventory, and equipment, factoring to free up unpaid invoices, trade finance for cross-border suppliers, and term financing for expansion — each built around your assets and stage of growth.
Our Lending Services
Revolving Lines of Credit
Secured against your receivables, inventory, and equipment — flexible working capital that scales with your business. The line adjusts as customers pay and inventory turns, giving you room to fund operations, cover gaps, and take on new work.
Trade Finance/Facilities
Our trade finance facilities provide essential financial instruments, such as letters of credit, receivables discounting, and purchase order financing, designed to streamline international trade operations. These tools are instrumental in supporting your strategic growth and expansion plans, particularly in the realm of increasing exports in global markets.
Professional Business Support
Fast and Efficient Process
We know time is of the essence. Our streamlined application process and quick approval turnaround ensures you get the funding you need when you need it.
Expert Guidance
Our team of experienced advisors are here to guide you every step of the way, helping you navigate the lending process and structure the right loan package for your business.
Transparent Terms
With Lantern Capital, you can trust that there are no hidden fees or surprises. We believe in transparency, and our clear and concise loan agreements lay out all terms and conditions upfront.
Tailored Solutions
We understand that every business is unique. That's why we take the time to understand your specific needs and tailor our financing solutions to help you achieve your goals.
Our Simple Application Process
1
Understanding Your Needs
We begin by thoroughly understanding your business requirements. Based on this insight, we recommend the most suitable lending solution to meet your business needs effectively.
2
Securing The Solution
Once we receive all necessary documents from you, we initiate the process of securing the recommended solution. Leveraging our network of lender partners, we work diligently to find the best fit for your business.
3
Obtaining Approval
Our team works tirelessly to secure approval from the lender. Upon receiving approval, we carefully review, negotiate, and finalize the terms and conditions to ensure they align perfectly with your expectations.
4
Finalizing
The Deal
With all documents signed and finalized, we submit them to the lender for funding. This marks the culmination of our efforts, ensuring a seamless transition from application to securing the lending solution for your business.
Frequently Asked Questions
How Does Asset-Based Lending Work?
Asset-based lending provides financing secured against what your business already owns — receivables, inventory, and equipment. Rather than relying on cash flow alone, the facility is structured around your asset base, so borrowing capacity grows as the business does. Lantern Capital arranges asset-based lending for incorporated businesses across North America.
What Can Asset-Based Lending Be Used For?
Asset-based lending funds working capital, growth, and operations without giving up equity or taking on unsecured debt. Businesses use it to cover cash flow gaps, fund larger orders, manage seasonal swings, or free up capital tied in receivables and inventory. Lantern Capital structures each facility around how the business actually operates.
How Long Does Asset-Based Lending Take To Arrange?
Timelines depend on the assets involved and the diligence required, since the facility is secured and reviewed against your receivables, inventory, or equipment. Lantern Capital moves the process as efficiently as the deal allows, and you will hear back within one business day of your first enquiry, so you always know where things stand.
Can I Refinance Existing Debt Or Free Up Cash Tied In Receivables?
Yes. Refinancing existing facilities, or converting unpaid receivables into working capital, can release cash without giving up equity. Lantern Capital reviews your current debt structure and the assets on your balance sheet, then approaches the lenders best suited to improve your terms.
How Does Lantern Capital Match Businesses To The Right Lender?
Every business carries a different asset base, revenue profile, and stage of growth. Lantern Capital reviews your financials and assets, structures the request to present well, then takes it to the lenders best suited to fund it — from traditional banks to alternative and specialty finance providers. As advisors rather than a single lender, our role is to find the right fit, not one product.