Asset-Based Lending

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Supporting your working capital needs during all business and economic cycles

Our asset-based lending solutions help provide increased flexibility and greater availability for asset-rich companies experiencing fluctuations in cash flow due to business cycles or seasonality.

Lending in syndicated asset-based markets

  • #2 left lead arranger of syndicated asset-based loans in 2024
  • $76 billion in total commitments to over 850 clients
  • $19.3 billion in commitments to 158 syndicated transactions in the past 12 months

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Expand your borrowing capacity

Take advantage of flexible financing as an alternative to cash flow loans for companies with accounts receivable, inventory, and fixed assets. A dynamic borrowing base is used to help companies now and throughout their entire life cycle.

Maximize cross-border capabilities through a wide variety of financing options to accommodate current day-to-day foreign operations with lending capabilities for 20+ foreign currencies.

Which approach makes sense for your business? Learn more about Asset-based vs. cash flow loans (PDF).

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Specialized solutions by industry

Retail financing

Our retail financing specialists understand the natural business cycles of retailers, such as seasonality and sensitivity to economic fluctuations, and can help retailers across various categories.

Our financing programs can support a variety of needs, including:

  • Working capital and general corporate purposes
  • Growth and expansion, including capital expenditures
  • Refinancing existing corporate or facility debt
  • Repurchasing stock or financing dividend payments
  • Facilitating mergers, acquisitions, or management buyout

Lender financing

We have extensive experience raising capital for specialty finance companies, including other asset-based lenders, factors, equipment leasing, and select other non-bank commercial lenders.

Our financing programs can support a variety of needs, including:

  • Financing existing portfolio and new loans/leases
  • Asset portfolio acquisitions
  • Buyouts/acquisitions

Healthcare financing

Focused solely on the for-profit healthcare industry with a dedicated team of industry professionals with decades of experience, we offer flexible, senior secured capital financing solutions tailored to the unique needs of middle-market healthcare companies.
Learn more about Healthcare

Our financing programs can support a variety of needs, including:

  • Working capital and general corporate purposes
  • Growth and expansion, including capital expenditures
  • Refinancing existing corporate or facility debt
  • Repurchasing stock or finance dividend payments
  • Facilitating mergers, acquisitions, or management buyouts
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Reach out to get started

Let’s connect. We’re focused on providing tailored products and services to meet the unique banking needs of commercial businesses.

Contact us

Refinitiv US 2024 ABL Bookrunner League Table and Wells Fargo, adjusted to exclude CORRA conversion transactions

Wells Fargo internal data as of 12/21/2024

Products and services require credit approval. Wells Fargo Capital Finance is the trade name for certain asset-based lending services, senior secured lending services, accounts receivable and purchase order finance services, and channel finance services of Wells Fargo & Company and its subsidiaries.

RO-4411248

LRC-0425