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Asset-based lending and equipment financing for physical businesses
Driven provides asset-based lending and equipment financing solutions for businesses with significant physical assets — manufacturers, transportation companies, construction firms, agriculture operations, and other capital-intensive businesses that use equipment and real assets as collateral for financing. Asset-based lending structures credit facilities against receivables, inventory, and equipment, enabling companies to access working capital proportional to their asset base rather than limited by earnings multiples alone. Equipment financing covers new and used machinery, vehicles, technology, and other business equipment purchases with terms typically 3-7 years and fixed monthly payments. The underwriting process for asset-based loans evaluates collateral quality, business cash flows, and the borrower's ability to manage the collateral base. Revolving credit facilities against receivables and inventory provide working capital flexibility as business volumes fluctuate. For capital-intensive businesses that struggle to access unsecured financing due to thin margins or cyclical cash flows, asset-based structures provide financing capacity aligned with actual business assets rather than earnings alone. Driven serves businesses across traditional industries where physical assets create natural collateral for growth financing.