At Academia Business Capital, we specialize in asset-based lending for challenged companies to help them grow. Asset-based lending is a type of financing where the loan is backed by a company’s physical assets, such as accounts receivable, inventory, equipment, or real estate. It is on-balance-sheet for the borrower.
Academia deploys loans of $3 million and up to middle-market companies in the United States and Canada, across numerous industries. We offer accelerated approval and reliable financing outside of traditional structures.
learn moreDuring uncertain times, asset-based private credit is an attractive option for diversifying an investment portfolio. Our loans are secured with assets, underwritten to liquidation value, which reduces investor risk.
We have identified robust demand from asset-rich but challenged businesses that lack credit profile or cash flow for traditional bank loans. Investors who partner with Academia get priority access to this pipeline.
To maximize returns during up and down cycles, we leverage data and our deep industry experience to act with agility and flexibility. Academia’s creative financing solutions turn today’s disruptions into tomorrow’s returns.
$3 to $75 million (tailored to targeted market).
Up to five years.
Eligible Receivables Advance Rate up to 90%
Eligible unbilled Receivables Advance Rate up to 75%
Eligible Credit Card Receivables up to 95%
Eligible Inventory Advance Rate at up to 75% of the lower of Cost or Market Value, or, up to 90% of the appraised Net Orderly Liquidation Value. Including Raw Material, WIP, and Finished Goods.
Advances up to 90% of appraised Net Orderly Liquidation Value of Eligible Machinery and Equipment.
Full or Springing Dominion.
Advances at the lesser of 90% of the appraised value of existing Eligible Machinery and Equipment typically not to exceed 80% of Forced Liquidation Value.
Advances at up to 80% of hard costs of newly purchased Eligible Machinery and Equipment.
Advances up to 75% of fair market value (“FMV”) of Real Property.
Advances up to 70% of fair market value (“FMV”) of Intellectual Property.
USA, Canada or UK based entity (investment in USD).
Leveraged buyouts, Refinancing, DIP/Exit Financing, Acquisitions, Working Capital, Bridge Financing, Special Situations, Growth and Restructurings.
Academia Business Capital provides asset-based loans ($3 million and up) for the following financing solutions:
We partner with borrowers in these key areas:
