Ameera Capital Advisory
Asset-Based Lending for Businesses With Real Collateral
We help business owners, acquisition buyers, and operators unlock capital by financing against accounts receivable, machinery and equipment, inventory, and real estate.
Ameera Capital Advisory is not a direct lender. We advise, structure, and connect qualified opportunities with aligned capital providers.
Collateral-Driven Capital Stack
When cash flow alone does not tell the full story, your asset base may help support the financing structure.
Who This Is For
Asset-Based Lending Is Built for Capital-Intensive Businesses
ABL can be useful when a company has meaningful collateral, seasonal working capital needs, or growth opportunities that require more flexible financing.
Manufacturing
Finance receivables, equipment, inventory, and working capital tied to production cycles.
Distribution
Support inventory purchases, receivable growth, and larger customer contracts.
Logistics
Leverage equipment, receivables, and operating assets to improve liquidity.
Business Acquisitions
Use eligible collateral to help structure acquisition financing and post-close liquidity.
Use Cases
Where Asset-Based Lending Can Create Leverage
Working Capital
Unlock liquidity tied up in receivables and inventory to support daily operations.
- Payroll support
- Vendor payments
- Seasonal demand
- Purchase order growth
Refinance & Restructure
Replace expensive or restrictive debt with a more structured collateral-backed solution.
- MCA refinance
- Debt consolidation
- Cash flow relief
- Balance sheet cleanup
Acquisition Finance
Use the target company’s eligible assets to help support the financing package.
- Receivables borrowing base
- Equipment term debt
- Inventory availability
- Real estate collateral
ABL Structure
Finance the Assets Already Inside the Business
Asset-based lending is typically structured around a borrowing base. The lender reviews eligible collateral, applies an advance rate, and determines how much capital the business may qualify for.
We help package the opportunity, identify the right capital sources, and position the asset base in a way lenders can quickly evaluate.
Illustrative Advance Ranges
Eligible B2B receivables from creditworthy customers.
Equipment value supported by appraisals and liquidation analysis.
Finished goods or eligible inventory with verifiable value.
Owner-occupied or investment real estate used as supporting collateral.
Our Process
From Collateral Review to Capital Strategy
We assess receivables, inventory, equipment, real estate, and existing debt obligations.
We estimate eligible collateral and identify where the strongest lending support may come from.
We target banks, non-bank lenders, private credit groups, and specialty finance providers.
We help organize the package, manage lender conversations, and support the path to closing.
What Lenders Usually Review
Documents Needed for an ABL Review
Financials
- Last 2–3 years financial statements
- Year-to-date profit and loss
- Balance sheet
- Business debt schedule
Collateral Detail
- A/R aging report
- A/P aging report
- Inventory report
- Equipment list
- Real estate information
Transaction Context
- Use of proceeds
- Existing lender payoff letters
- Acquisition documents, if applicable
- Management overview
- Growth or restructuring plan
Why Ameera
Collateral Is Only Part of the Story.
The right ABL structure depends on asset quality, lender fit, borrowing base mechanics, cash flow, reporting requirements, and the company’s broader capital strategy.
Next Step
Want to See If Your Assets Can Support Financing?
Submit your opportunity and we’ll help evaluate whether asset-based lending, equipment financing, receivables financing, or a blended capital structure may be the right fit.