$40m asset pool
Check invoices and debtors, count and value stock, inspect equipment and confirm ownership and security priority.
WTE BANK / ASSET-BASED FINANCING
Your assets can fund what comes next while you keep using them.
Your business has value in invoices, stock, equipment or vehicles. That value can support growth capital without selling the assets that generate revenue. WTE Bank provides 100% of each approved asset-based loan or credit line, secured by eligible business assets and repaid from the cash your business earns.
01 / IDENTIFYReceivables, stock and equipment02 / BORROW100% funded by WTE Bank03 / GROWKeep assets working for you
THE ASSET CAPACITY FACILITY
You have already built the asset base. Now put its value to work.
CAPITAL AGAINST WHAT YOUR BUSINESS OWNS OR IS OWED
We assess the assets a company already uses to operate: collectible invoices, saleable stock, productive equipment and commercial vehicles. Eligible assets support a WTE Bank-funded revolving line or term facility. You retain their use while the loan funds expansion, replacement equipment, acquisition or other approved business needs.
Explore the asset types ↘01 / USE CURRENT ASSETS
RECEIVABLES & INVENTORY
Turn invoices and stock into usable borrowing capacity.
A customer owes you money; a warehouse holds goods ready to sell. We assess eligible receivables and inventory, apply agreed advance levels and make credit available against the qualifying pool. As customers pay and new eligible assets are added, the borrowing base changes with the business.
01
Invoice-backed creditBorrow against eligible customer receivables while the buyer remains within its agreed payment term.
02
Inventory-backed creditUse qualifying saleable stock to support additional availability under the facility.
03
A revolving borrowing baseUpdate the eligible pool as invoices are collected and stock turns into sales.
02 / FINANCE PRODUCTIVE ASSETS
EQUIPMENT & VEHICLES
Keep the machine running. Put its value to work.
Machinery, production lines and commercial fleets can support a longer-term WTE Bank loan while they remain in service. We verify ownership, condition, existing claims, current value and useful life, then set loan size and repayment around the asset and the business’s operating cash flow.
01
Machinery and production linesSecure growth capital against qualifying equipment already contributing to revenue.
02
Commercial fleetsFinance against eligible vehicles while they continue delivering the service customers buy.
03
Repayment matched to useAlign the loan term with asset life and the cash generated by the business.
03 / COMBINE THE ASSET BASE
ONE WTE Bank FACILITY
Several asset classes. One complete financing facility.
A company may have a strong receivables book, substantial inventory and productive equipment, yet no single category supports the whole capital need. We can assess a suitable pool, establish eligible values and lend the entire approved amount from WTE Bank. The structure can combine revolving availability for current assets with term funding for longer-lived assets, under agreed documentation.
01
Pool eligible assetsBring verified receivables, stock, equipment or fleets into one borrowing case.
02
Receive full WTE Bank fundingWTE Bank provides 100% of the approved facility; no outside financier is needed.
03
Retain use and controlContinue operating the assets under the loan’s security and reporting terms.
A FACILITY BUILT FROM THE ASSET BASE
$40 million in business assets. A $20 million WTE Bank facility.
Consider a manufacturer with $20 million in receivables, $12 million in inventory and $8 million in equipment. WTE Bank assesses asset eligibility, values, existing claims and repayment capacity. If approved, it provides the full $20 million facility, secured by the eligible pool. The figures illustrate how the financing works; actual advance levels depend on the assets and terms.
$20m from WTE Bank
WTE Bank advances the entire approved facility against eligible collateral while the company keeps selling stock and operating equipment.
Cash from operations
Customer collections and operating income service the loan; revolving availability adjusts as qualifying assets change.
PUT YOUR ASSETS TO WORK
How much growth capital is already in your business?
Request an Asset Capacity Facility. Share the amount you need, how you will use it, and a summary of receivables, inventory, equipment or vehicles available as security. WTE Bank will assess the eligible pool, repayment source and terms for a fully bank-funded facility.
WTE Bank provides 100% of each asset-based facility it approves. Collateral eligibility, valuation, advance amounts, pricing, security rights and availability depend on underwriting, jurisdiction, documentation and agreed terms. The numerical example is illustrative.