Turn What You Own Into Cash You Can Use

A growing company can still run short on cash when its value is locked in unpaid invoices, inventory and equipment. We help you borrow against the assets you already own, turning them into working capital that scales as your business grows.

Discuss Your Capital Needs

What This Solves

A healthy, growing company can still run short on cash. The value is there, it is just locked up in unpaid invoices, in inventory on the shelf, in the equipment and assets on your balance sheet. Meanwhile payroll, suppliers and operating costs do not wait.

Working capital and asset-based finance unlock the value you already have. Instead of borrowing against a projection, you borrow against real assets: receivables, inventory and equipment. That usually means more capital available, and a facility that grows as your business grows.

Broadstone begins with your balance sheet and your cash-conversion cycle, not a product. We identify which assets can be worked hardest, structure the facility around them and engage the banks, non-bank lenders and specialty capital providers best suited to the opportunity

How Each Piece Solves the Problem

If unpaid invoices are your biggest tie-up, accounts receivable financing or factoring is usually the fastest lever. If you carry meaningful inventory and equipment, an asset-based revolving line often gives you the most flexible, scalable capital. Each is described below so you can see which fits.

Asset-Based Revolving Lines of Credit

You need working capital that flexes with your business instead of a fixed loan that does not. An asset-based revolving line lets you borrow against a pool of receivables, inventory and other assets, so your available capital rises as your business grows and gives you a dependable source to draw on as needs shift.

Accounts Receivable Financing

You have delivered the work and sent the invoice, but the cash is thirty, sixty or ninety days out. Accounts receivable financing advances funds against those unpaid invoices, so a customer’s payment terms stop dictating whether you can make payroll or take the next order.

Factoring / Invoice Financing

Beyond needing cash sooner, chasing down payments eats time you do not have. Factoring sells your invoices to a financing partner who advances most of the value now and often handles collection, converting slow receivables into immediate cash and taking collections off your plate.

Inventory-Backed Financing

Capital is sitting idle in raw materials and finished goods waiting to sell. Inventory-backed financing borrows against that stock, so you can restock, fund a seasonal build or cover operating costs without waiting for the inventory to convert to sales first.

Other Working-Capital Facilities

Some situations do not fit a standard product, whether it is a bridge, a seasonal swing or a mix of assets no single facility covers cleanly. We structure working-capital facilities around the specific shape of your cash-conversion cycle and bring in the provider that can accommodate it.

Our Approach

We are an advisor first. Before recommending a facility, we work to understand where your cash actually gets stuck.

Understand the Business

We review your balance sheet, receivables, inventory and cash-conversion cycle to see which assets can support the most capital and where the real constraint sits.

Structure the Solution

We evaluate the alternatives and structure a facility around your actual assets and needs, sized to grow with you rather than cap you.

Execute Across the Capital Markets

We engage the banks, non-bank lenders and asset-based specialists best positioned for your profile and run the process to close.

Cash Tied Up in Invoices and Inventory?

If your growth is being held back by capital locked in receivables or stock, there is usually a way to put it to work. Tell us where the cash gets stuck in your cycle and we will show you what an asset-based structure could free up.

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Helpful Info

Frequently Asked Questions

Capital decisions often come with questions. Here are answers to common questions about Broadstone’s approach, the solutions we support, and how we work with companies to evaluate and access capital.

What is the difference between factoring and accounts receivable financing?

Both turn unpaid invoices into cash sooner. With accounts receivable financing you borrow against the invoices and keep managing collections yourself. With factoring you effectively sell the invoices, and the financing partner often takes over collection. Which one fits depends on how much control you want to keep and how much you value getting collections off your plate.

How is asset-based lending different from a normal bank loan?

A traditional loan leans heavily on cash flow and covenants. Asset-based lending is secured by and sized to your actual assets, such as receivables, inventory and equipment. That often means more available capital for asset-rich companies and a line that scales as those assets grow.

Is asset-based finance a sign my business is in trouble?

No. Plenty of healthy, growing companies use it precisely because it scales with them better than a fixed facility. It is a way to fund growth from the value you already hold, not a last resort.

Does Broadstone provide these facilities directly?

We are an independent capital advisor. For most working-capital and asset-based structures, our role is to evaluate the opportunity, structure it and engage the lender best suited to it, so you are matched to the right source on the right terms.