Products and Services

BMO Bank of Montreal's Asset Based Lending group provides mid-market companies, who are experiencing periods of change, with an alternative to traditional senior debt, which may be accessed along with, or instead of, subordinated debt and/or equity. Through Asset Based Lending, the value of your company's assets give you the power to secure structured financing, generally with higher advance rates than loans normally made by banks:

Revolving Lines of Credit with advance rates, determined by your organization's assets

Term Loans supported by machinery, equipment and real estate

Under-secured/cash flow supported loans which allow you access of up to 125% of asset value

Capital expenditure loans supported by newly purchased machinery and equipment

Asset Based Lending may be right for your business if it has:

• $30+ million in revenues
• Strong management with a sound business plan
• Reliable MIS and financial control systems
• Any of these characteristics: moderately to highly levered; experiencing high growth; undergoing a change in ownership; capital intensive; inconsistent but explainable financial performance; and/or some what seasonal in nature

Asset Based Lending is the right financial solution for:

• Acquisitions/buyouts
• Financial sponsor transactions
• Recapitalizations
• Re-financings
• Growth
• Turnarounds
• Succession planning
• Cash-out financing