Asset-based Lending

Global Asset-based Lending Market to Reach US$1.3 Trillion by 2030

The global market for Asset-based Lending estimated at US$701.0 Billion in the year 2024, is expected to reach US$1.3 Trillion by 2030, growing at a CAGR of 10.3% over the analysis period 2024-2030. Inventory Financing, one of the segments analyzed in the report, is expected to record a 12.1% CAGR and reach US$560.3 Billion by the end of the analysis period. Growth in the Receivables Financing segment is estimated at 10.3% CAGR over the analysis period.

The U.S. Market is Estimated at US$191.0 Billion While China is Forecast to Grow at 14.3% CAGR

The Asset-based Lending market in the U.S. is estimated at US$191.0 Billion in the year 2024. China, the world`s second largest economy, is forecast to reach a projected market size of US$262.1 Billion by the year 2030 trailing a CAGR of 14.3% over the analysis period 2024-2030. Among the other noteworthy geographic markets are Japan and Canada, each forecast to grow at a CAGR of 7.2% and 9.2% respectively over the analysis period. Within Europe, Germany is forecast to grow at approximately 8.1% CAGR.

Global Asset-Based Lending Market - Key Trends & Drivers Summarized

How Is Asset-Based Lending Empowering Businesses?
Asset-based lending (ABL), a financing solution secured by a company’s assets, is gaining traction as a reliable funding source for businesses. This form of lending is particularly beneficial for small- and medium-sized enterprises (SMEs) and companies with fluctuating cash flows, offering access to working capital without stringent credit requirements. The flexibility to use assets such as receivables, inventory, and equipment as collateral allows borrowers to unlock value from their existing resources. ABL has become a preferred financing option during periods of economic uncertainty, enabling businesses to navigate liquidity challenges effectively.

What Trends Are Driving Demand for Asset-Based Lending?
Several trends are fueling the growth of the asset-based lending market. The rise of fintech platforms has streamlined loan origination and underwriting processes, making ABL more accessible to a broader range of borrowers. Increasing adoption of ABL among startups and SMEs reflects its suitability for companies with limited credit histories but valuable assets. Additionally, global economic volatility has driven businesses to seek more secure and flexible financing options, positioning ABL as an attractive alternative. The shift toward digital platforms has also enhanced transparency and speed, making the lending process more efficient.

Why Is Asset-Based Lending Crucial for Business Resilience?
Asset-based lending provides businesses with a financial lifeline during challenging times by offering liquidity based on tangible assets. Unlike traditional loans, ABL is less dependent on credit scores, focusing instead on the value of collateral. This makes it an ideal option for industries such as manufacturing, retail, and logistics, which often possess substantial inventories and receivables. Furthermore, ABL allows borrowers to scale financing based on asset growth, providing a dynamic solution that evolves with business needs. Its role in stabilizing cash flows underscores its importance as a resilient financing tool.

What Drives the Growth in the Asset-Based Lending Market?
The growth in the asset-based lending market is driven by rising demand for flexible financing, the increasing adoption of digital lending platforms, and expanding participation by SMEs. Economic uncertainty and tightening credit conditions have encouraged businesses to explore ABL as a reliable alternative to traditional bank loans. Technological advancements in asset valuation and monitoring have improved risk management, making ABL more attractive to lenders. Additionally, the proliferation of fintech platforms has democratized access to ABL, enabling businesses of all sizes to secure funding efficiently. These factors collectively underpin the rapid expansion of the asset-based lending market.

SCOPE OF STUDY:

The report analyzes the Asset-based Lending market in terms of units by the following Segments, and Geographic Regions/Countries:

Segments:
Type (Inventory Financing, Receivables Financing, Equipment Financing, Other Types); End-User (Large Enterprises End-User, Small and Medium-sized Enterprises (SME) End-User)

Geographic Regions/Countries:
World; United States; Canada; Japan; China; Europe (France; Germany; Italy; United Kingdom; Spain; Russia; and Rest of Europe); Asia-Pacific (Australia; India; South Korea; and Rest of Asia-Pacific); Latin America (Argentina; Brazil; Mexico; and Rest of Latin America); Middle East (Iran; Israel; Saudi Arabia; United Arab Emirates; and Rest of Middle East); and Africa.

Select Competitors (Total 48 Featured) -

• Bank of America
• Barclays Bank Plc
• Berkshire Bank
• Capital Funding Solutions Inc.
• CIT Group Inc.
• Fifth Third Bank
• HSBC Holdings Plc
• JPMorgan Chase & Co
• KeyCorp
• Lloyds Banking Group
• Porter Capital
• Rabobank Australia
• SLR Credit Solutions
• TD Bank NA
• Wells Fargo

TARIFF IMPACT FACTOR

Our new release incorporates impact of tariffs on geographical markets as we predict a shift in competitiveness of companies based on HQ country, manufacturing base, exports and imports (finished goods and OEM). This intricate and multifaceted market reality will impact competitors by artificially increasing the COGS, reducing profitability, reconfiguring supply chains, amongst other micro and macro market dynamics.

We are diligently following expert opinions of leading Chief Economists (14,949), Think Tanks (62), Trade & Industry bodies (171) worldwide, as they assess impact and address new market realities for their ecosystems. Experts and economists from every major country are tracked for their opinions on tariffs and how they will impact their countries.

We expect this chaos to play out over the next 2-3 months and a new world order is established with more clarity. We are tracking these developments on a real time basis.

As we release this report, U.S. Trade Representatives are pushing their counterparts in 183 countries for an early closure to bilateral tariff negotiations. Most of the major trading partners also have initiated trade agreements with other key trading nations, outside of those in the works with the United States. We are tracking such secondary fallouts as supply chains shift.

To our valued clients, we say, we have your back. We will present a simplified market reassessment by incorporating these changes!

APRIL 2025: NEGOTIATION PHASE

Our April release addresses the impact of tariffs on the overall global market and presents market adjustments by geography. Our trajectories are based on historic data and evolving market impacting factors.

JULY 2025 FINAL TARIFF RESET

Complimentary Update: Our clients will also receive a complimentary update in July after a final reset is announced between nations. The final updated version incorporates clearly defined Tariff Impact Analyses.

Reciprocal and Bilateral Trade & Tariff Impact Analyses:

USA
CHINA
MEXICO
CANADA
EU
JAPAN
INDIA
176 OTHER COUNTRIES.

Leading Economists - Our knowledge base tracks 14,949 economists including a select group of most influential Chief Economists of nations, think tanks, trade and industry bodies, big enterprises, and domain experts who are sharing views on the fallout of this unprecedented paradigm shift in the global econometric landscape. Most of our 16,491+ reports have incorporated this two-stage release schedule based on milestones.

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