Asset-Based Lending in Canada

Asset-based financing offers the flexibility and customization that other financing options often need for small—to medium-sized businesses. By using assets such as inventory, equipment, or accounts receivable as collateral, businesses can secure loans specifically tailored to their needs. This type of financing is particularly beneficial for companies that may not have a strong credit history but possess valuable assets. At Grant-X, we work closely with you to assess the value of your assets and design a financing package that aligns with your business goals.

Asset lending offers higher approval rates than traditional loans due to its reliance on collateral rather than creditworthiness. This makes it an ideal option for businesses looking to manage risk while gaining access to necessary funds. Additionally, using your assets as security may qualify for more significant loan amounts than would be possible through unsecured loans, giving you more financial flexibility.

Manufacturing companies often have substantial investments in machinery and equipment, which can be leveraged to secure asset loans. This approach provides immediate capital and allows businesses to manage their operations without disrupting production. At Grant-X, we understand that your equipment is critical to your business, so our asset-backed financing solutions are designed to maximize the value of your assets while minimizing the impact on your day-to-day operations.

During the loan term, ownership and usage of the equipment remain with your company, ensuring that your operations continue smoothly. Furthermore, the capital obtained can be reinvested into your business, whether it's for upgrading equipment, expanding production capacity, or improving efficiency. This type of financing also helps with long-term financial planning, allowing for predictable repayments aligned with your cash flow.

For wholesale and distribution firms, managing large volumes of inventory is crucial. Using inventory as collateral and asset lending can provide the liquidity needed to maintain stock levels, fulfill large orders, or expand distribution networks. At Grant-X, we offer asset-based financing that evaluates your inventory's value and converts it into working capital.

Inventory valuation is vital to this process, and our team provides accurate assessments to ensure you get the most out of your assets. Additionally, we offer logistical support to help you manage your inventory effectively, ensuring that your financing aligns with your operational needs. This approach stabilizes cash flow and allows for growth without the financial strain often accompanying large-scale operations.

Construction companies face unique challenges, especially when funding large projects. Project-specific asset loans allow you to use machinery, vehicles, and real estate as collateral, providing the necessary capital to keep projects on schedule. We offer capital asset lending solutions tailored to the construction industry at Grant-X.

Our project-based lending considers the timelines and cash flow cycles typical of construction projects. We also consider subcontractor payments, ensuring you have the funds available when needed. Documentation and disbursement schedules are aligned with your construction timelines, reducing the risk of delays and ensuring that your project progresses smoothly.

For real estate investors and developers, property holdings represent a significant asset that can be leveraged through asset-backed financing. Whether you're looking to acquire new properties, finance development projects, or refinance existing loans, Grant-X offers financing solutions that maximize the value of your real estate assets.

We assess market conditions and loan-to-value ratios to provide the most advantageous financing terms. Additionally, we help you plan your exit strategy, ensuring your investment remains profitable. With our asset finance company, you can secure the capital needed to scale your real estate portfolio while managing risk effectively.

Startups often possess valuable intellectual property (IP) to be used as collateral for asset-backed loans. At Grant-X, we offer capital asset lending solutions that recognize the value of your IP, allowing you to access critical funding without diluting ownership.

Our team provides accurate valuations of your IP and ensures that your financing is aligned with your growth strategy. We also prioritize confidentiality, protecting your intellectual assets while providing the capital needed to innovate and expand. This type of financing is ideal for startups in the tech industry, where innovation is critical to success.