Seasonal builds require brands to carry inventory well before revenue shows up. Asset-based lending aligns borrowing capacity directly with that reality, scaling liquidity alongside inventory so brands can invest ahead of demand without overextending cash or giving up equity.
Consumer brands move fast and burn cash faster. Asset-based lending is designed to keep up, offering flexible capital tied to receivables and inventory instead of credit scores or profitability benchmarks.
JPalmer Collective (JPC), an asset-based lending firm supporting fast-growing, women-led and natural products companies, today announced the successful syndication of a $135 million credit facility led by Texas Capital and Dime Community Bank.
An asset-based loan is financing secured by a company’s own assets, typically accounts receivable, inventory, and equipment. Borrowing capacity grows with the business, making ABL a flexible alternative to traditional bank loans or venture capital for product-based companies with strong assets but uneven cash flow.
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