Asset-Based Lending in Lichfield

Why use Asset-Based Lending?

Unlock
Capital

Convert assets like inventory or equipment into immediate working capital.

Fuel
Expansion

Finance growth or acquisitions with funding based on the value of your assets.

Improve Cash Flow

Access cash quickly to manage daily operations or seasonal demands.

Flexible Borrowing

Revolving borrowing based on asset values to suit your working capital needs.

Support Larger Projects

Fund significant investments without utilising cash reserves.

The Navigate Commercial Finance Advantage

With a combined 100+ years working in business and finance, Navigate understands the market and has forged excellent relationships with key decision-makers at a wide range of pragmatic lenders giving us the best chance to secure your finance. We will take the stress out of finding the right finance solution with the most appropriate funding partner allowing you to focus on running your business – you have enough going on!

🏆 Winner – Young Professionals Awards Midlands 2025 for Adam Cooksley

🎖️Shortlisted – Business Moneyfacts Awards Invoice Finance Broker of the year 2026

🎖️Shortlisted – Business Moneyfacts Awards Invoice Finance Broker of the year 2025

🎖️Shortlisted – SME News Midlands Enterprise Awards 2023

100+ Years in Banking and Finance

Key Stakeholder Lender Relationships

Access to the Right Lenders

Clear Communication Throughout

Relationship Driven

Full Turnkey Support

100+ Years in Banking and Finance

Key Stakeholder Lender Relationships

Access to the Right Lenders

Clear Communication Throughout

Relationship Driven

Full Turnkey Support

Lichfield Business Landscape

Lichfield is the dynamic growth engine of Staffordshire, generating an estimated Gross Value Added (GVA) of over £4 billion and supporting a workforce of roughly 52,000. While famous for its heritage, the district has successfully leveraged its strategic position on the A38 corridor to become a premier location for high-value logistics and precision engineering, acting as a critical supply chain node for the wider West Midlands.

Today, the local economy is defined by a powerful duality: Advanced Manufacturing (home to industry leaders like IMI Norgren) and a booming logistics sector centred at Fradley Park. These industries are complemented by a resilient professional services market. The district is forecast to be one of the UK’s fastest-growing locations, with projected GVA growth of 2.4% in 2025 (EY Regional Forecast), significantly outperforming the national average. This expansion is underpinned by the “Lichfield 2050” strategy and the transformative regeneration of the Birmingham Road Site.

Funding Solutions

INVOICE FINANCE

Unlock cash tied up in your invoices

ASSET-BASED LENDING

Blended solution to unlock cash tied up in assets

CASH FLOW LOANS

A capital injection based on the financial viability of your business

Revolving Credit Facility

A line of credit you can repeatedly draw from and repay

Asset Finance

A loan to buy or lease equipment, machinery or vehicles

Supply Chain Finance

Extend your purchasing terms using lender finance

GROWTH GUARANTEE SCHEME

Lending facilities to support businesses with turnover up to £45M per annum

Case Study: Asset-Based Lending

The Brief

Working with a long-established audio-visual wholesale business who import TV stands, wall brackets, speaker brackets from China and supply to blue-chip retailers in UK, Europe and the US. A new blended funding facility was required to support the wholesales growth plans, enhancing its ability to meet increasing demand across Worldwide markets and strengthen its operations into Europe.

The Challenge

The company was introduced to Navigate Commercial Finance by their corporate finance advisor who has limited knowledge of the ABL finance arena. On meeting the business, the issue was clear, the company wanted to expand its product offering and expansion across mainland Europe however were hampered by their incumbent funder’s facility parameters.

The Solution

On review of the businesses integrated cash flow forecasts that were underpinned by a strong order book, Navigate Commercial Finance approached an ABL funder who could offer cash flow loans alongside its Invoice Finance facility. These blended solutions would give the business the injection of funds needed to ramp up stock purchases in order to meet increased demand.

The funding Process

With a deep understand of the Asset Based Lending market, Navigate Commercial Finance were able to pinpoint the right funder who would have appetite to support the growing export nature of the business, where other invoice finance funders can have restrictions. The funder also had the capability to provide cashflow loans. The new funding package hit the brief and Navigate Commercial Finance ensured the transfer to the new lender happened in a timely manner.

The Outcome

With the new extended funding facilities in place, the business has the firepower to maximise their European expansion plans. This underpins the power of working with the right outsourced commercial finance team who understands the funding market and your strategic plans.

“Asset Based Lending is a flexible way for businesses to unlock cash tied up in their assets enabling them to meet their strategic plans, whether growth, acquisition, M&A or simply ease day to day working capital challenges. It’s vitally important that businesses secure the right funding partner that is aligned to their borrowing requirements now and in the future. Using an experience outsourced commercial finance team who understand lender nuances can help achieve this in a timely manner” – Paul Varley, Managing Director, Navigate Commercial Finance

Asset-Based Lending
in Lichfield

Why use Asset-Based Lending?

Unlock
Capital

Fuel
Expansion

Improve Cash Flow

Flexible Borrowing

Support Larger Projects

Other
Funding
Solutions

The Navigate Commercial Finance Advantage

🏆 Winner – Young Professionals Awards Midlands 2025 for Adam Cooksley

🎖️Shortlisted – Business Moneyfacts Awards Invoice Finance Broker of the year 2026

🎖️Shortlisted – Business Moneyfacts Awards Invoice Finance Broker of the year 2025

🎖️Shortlisted – SME News Midlands Enterprise Awards 2023

Enhance Your Business Funding with Asset-Based Lending in Lichfield

Common Asset Types USED in Asset-Based Lending in Lichfield

Inventory

Receivables

Machinery and Equipment

Real Estate

Cash Flow