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# Insights

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## Business Viewpoints from our team of industry experts

## Research highlights middle market business activity and sentiment

The newly released Year-end 2025 Middle Market Indicator report from National Center for the Middle Market and WF shows a rebound in revenue growth and investment appetites coupled with strong growth projections for the year ahead.

View infographic (PDF) Access full report (PDF)

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## Explore insights, business trends and industry news from Commercial Banking experts and leaders

Supply Chain Finance
How the Working Capital Guarantee can unlock growth for U.S. exporters

Explore Supply Chain Finance >

Growth Segments
H & N Group: How a family business overcame adversity to create a global seafood enterprise

Explore Growth Segments >

Not-for-Profit
2025 year in review: WF Non-Profit Healthcare finance and payment themes (PDF)

Explore Not-for-Profit >

### Grow your business with an Asset-Based Loan

Transcript: Grow your business with an Asset-Based Loan

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WF | Commercial Banking logo

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Help to grow your business with an Asset-Based Loan

Voiceover:

In today’s dynamic business environment, choosing the right sources of capital can create a competitive advantage for your company.

If you’re ready to grow your business, free up more working capital, maximize your borrowing capacity, or simply operate more efficiently, an asset-based loan can be a smart alternative to consider.

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grow your business

free up working capital

maximize borrowing capacity

operate more efficiently

Asset-Based Loan (ABL)

Voiceover:

Asset-based loans let companies borrow against collateral, such as your existing accounts receivable, your inventory, company real estate, or specified fixed assets.

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Accounts receivable

Inventory

Real estate

Fixed assets

Voiceover:

A manufacturer, for example, faced with temporary supply chain disruptions, could use an asset-based loan to bridge their short-term need to finance their working capital.

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A manufacturer could potentially use an ABL to bridge their short-term need to finance their working capital.

Voiceover:

In this example, their accounts receivables, physical inventory and potentially even certain equipment could serve as collateral.

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Collateral

Accounts receivable

Physical inventory

Equipment

Voiceover:

An asset-based loan can be ideal for businesses with strong and diverse assets, at any stage in the company’s lifecycle.

Unlike other types of loans, your company’s credit rating and future cash flow are not primary determining factors.

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Cycle of: Early state > Growth > Expansion > Mature > Transition

Center of cycle: ABL // Strategic debt/equity // Capital expenditures // Acquisition MBO // Refinance/restructure // Turnaround, exit

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Credit rating & cash flow

Voiceover:

Many businesses use an asset-based loan to fund significant growth, expand operations, secure resources, or even acquire another business.

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Why use an Asset-Based Loan?

- Fund significant growth
- Expand operations
- Secure resources
- Acquire another business

Voiceover:

Others use an asset-based loan to supplement working capital during uneven cash flow cycles or seasonal shifts in business.

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Supplement working capital

Asset-Based Loan

Voiceover:

A typical asset-based loan is generally structured as a revolving line of credit and may also include an amortizing term loan. Your assets’ values determine the total amount you may borrow.

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ABL facilities have a borrowing base determined by the advance rate on each collateral type

Bar graph: $100M borrowing base; $85M loan; $15M available to borrow

Voiceover:

The benefits of asset-based loans are clear:

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ABL potential benefits

Voiceover:

they’re widely available, provide maximum liquidity and are open to a variety of business types. This means companies can address their liquidity needs quickly. Asset-based loans feature competitive pricing, tied to the strength of your assets. They often have fewer covenants compared to conventional cash flow loans, making them a smart and flexible alternative to consider.

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- Widely available
- Provide maximum liquidity
- Open to a variety of businesses
- Competitive pricing
- Fewer covenants
- Smart & flexible

Voiceover:

Are you ready for what’s next in your business?

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Are you ready?

Voiceover:

Ask our team of financial specialists whether an asset-based loan can help you meet your goals.

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Contact us today

WF

©2025 WF. Member FDIC.

Commercial Banking products and services are provided by WF Bank, N.A. and its subsidiaries and affiliates. WF Bank, N.A., a bank affiliate of WF & Company, is not liable or responsible for obligations of its affiliates. Deposits held in non-U.S. branches are not FDIC insured. Products and services require credit approval.

Products and services require credit approval. WF Capital Finance is the trade name for certain asset-based lending services, senior secured lending services, accounts receivable and purchase order finance services, and channel finance services of WF & Company and its subsidiaries.

### Instant payments: Simplify, innovate, and thrive

Transcript: Instant payments

[Graphic]

Simplify, innovate, and thrive.

[Voiceover]

Adopting instant payments as part of your business strategy can help simplify financial transactions and give you a competitive advantage. If you aren’t already thinking about these innovative payment platforms, you may be missing opportunities.

[Graphic]

Instant payments:

- 24/7/365 convenience
- Lightning-fast settlement
- Built-in flexibility

[Voiceover]

Instant payments are contextual, immediately available, and can reduce the manual handling of complex transactions, offering convenience and flexibility.

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Instant payment methods:

- FedNow
- RTP®
- Push to card
- Zelle

RTP® is a registered service mark of The Clearing House Payments Company L.L.C.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

For your protection, Zelle should only be used for sending money to customers and vendors who you trust.

[Voiceover]

There are many methods you can use to integrate instant payments. What’s most important is that you use them in a way that works for your business.

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- Revenue
- Customer experience
- Operational efficiency

[Voiceover]

The right payment platforms and providers can help drive new revenue growth, improve your customer experience and even enhance operational efficiency.

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Where are your opportunities?

[Voiceover]

Consider the following opportunities for your organization to incorporate instant payments into your business strategy.

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Strengthen business relationships

[Voiceover]

Instant payments help you move toward complete digital transactions. By reducing cash and checks and providing faster settlement, you can strengthen your relationships with your vendors and suppliers.

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Pay your supplier and contract workers instantly

[Voiceover]

With the ease of digital convenience, you can pay your suppliers instantly when needed.

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Reduce paperwork and follow-up required for reconciliation

[Voiceover]

And with the strong remittance data built into instant payments, you reduce the amount of paperwork and follow-up required for reconciliation.

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Delight your customers with speed and convenience

[Voiceover]

In today’s world, your customers most likely expect quick response and immediate action. Instant payments can be a strategic tool to help meet those expectations.

[Graphic]

Critical payments and on-demand transactions

[Voiceover]

For example, a customer can pay at their convenience, choosing when and how they pay.

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Instant refunds and adjustments

[Voiceover]

And you can build a secure customer service process for quicker refunds when needed.

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Offer easy upgrades

[Voiceover]

Instant payments can also help facilitate online purchases, upgrades and enhancements for your customers.

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Simplify life for your valued employees

[Voiceover]

Instant payments promote efficiency and simplify tasks for employees.

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Real-time payments for workers give you a competitive edge

[Voiceover]

Tasks such as paying contract workers can be completely digital, so payments are made in real time. That gives you an edge when competing for these workers.

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Disburse per diems safely, quickly

[Voiceover]

You can also automate and track per diems for travel – reducing complications associated with lost, stolen, or misplaced cash or checks.

Internally and externally, instant payments have the power to transform your business.

WF can work with you to explore best practices and strategic ways to incorporate instant payments in your organization.

[Graphic]

Simplify, innovate, and thrive.

Instant Payment SimplifiedSM

WF

©2024 WF Bank, N.A. All rights reserved. Member FDIC.

Global Treasury Management products and services are provided by WF Bank, N.A. WF Bank, N.A. is a bank affiliate of WF & Company. WF Bank, N.A. is not liable or responsible for obligations of its affiliates.

Deposits held in non-U.S. branches, subsidiaries or affiliates are not FDIC or CDIC insured. Deposit products offered by WF Bank, N.A. Member FDIC.

Channel Finance
Channel finance versus open account: How to choose the right model

Explore Channel Finance >

Payments & Liquidity
Vendor payment best practices (PDF)

Explore Payments & Liquidity >

Fraud & Security
The psychological frontline: Mastering the human element in cyber defense

Explore Fraud & Security >

Corporate & Investment Banking
International Financing Review names WF Corporate and Investment Banking the 2025 Bank of the Year

Explore Corporate & Investment Banking >

### Business Viewpoints Podcast

Beyond Cash Flow: Unlocking Capital with Asset-Based Lending

Explore Business Viewpoints Podcast >

### Customer Successes

Don L. Mooney: ‘WF looked at my potential; they believed in me’

Explore Customer Successes >

### Growth Segments

Veteran Spotlight Video Series

Explore Growth Segments >

### Customer successes

MUSH turns overnight oats into a thriving business

Explore Customer Successes >

### Technology Banking

Despite short-term uncertainty, sustainable energy tech poised for growth

Explore Technology Banking >

### Supply Chain Finance

Podcast: Navigating global supply chain and economic uncertainty

Listen to Podcast >

### Customer Successes

Discover how Chomps meat sticks became a snack sensation

Explore Customer Successes >

### Supply Chain Finance

From factory to checkout: The supply chain story you didn’t know you were living (PDF)

Explore Supply Chain Finance >

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## Read more insights

### Advice & Planning

- How to build a strong management team
- Three questions every business owner should be able to answer
- What drives company value?
- What to keep, where to store, and when to shred
- Why every business owner needs a contingency plan

### Agri-Food Intelligence

- The Dude Abides: Rethinking Nutrition with the New USDA Dietary Guidelines
- Turkey Triumph: The Bird that Beat Inflation
- Where's the beef? (PDF)
- Super Bowl 2026: Food Affordability for the Win

Asset Based Lending Asset Based Lending

- Grow your business with an Asset-Based Loan
- Asset-based versus cash flow loans (PDF)

### Business Viewpoints Podcast

- Beyond Cash Flow: Unlocking Capital with Asset-Based Lending
- Favorite fraud targets for today’s cybercriminals
- Lock in or wait? How business borrowers can navigate uncertainty in interest rates
- Smart strategies to right-size your business

### Channel Finance

- Channel finance versus open account: How to choose the right model
- Skeptical about IT channel finance? 4 reasons to reconsider
- Future planning your sales pipeline with a channel finance program

Corporate & Investment Banking Corporate & Investment Banking
International Financing Review names WF Corporate and Investment Banking the 2025 Bank of the Year

### Customer Successes

- Discover how Chomps meat sticks became a snack sensation
- Don L. Mooney: ‘WF looked at my potential; they believed in me’
- MUSH turns overnight oats into a thriving business
- New banking relationship sets up medical staffing firm for long-term success

### Equipment Financing

- Purchase, loan, or lease? (PDF)
- The lease advantage. Why leasing is a smart choice in today’s economy. (PDF)

### Fraud & Security

- Understand business email compromise fraud and how to help to reduce your company's risk
- The psychological frontline: Mastering the human element in cyber defense (PDF)
- How to protect your payments as AI changes the fraud landscape
- How you and your employees can help deter payments fraud

### Government Banking

- Government Staffing: The shortage that affects everyone
- Manage government staffing shortages with automation

### Growth Segments

- H & N Group: How a family business overcame adversity to create a global seafood enterprise
- Bankers on a mission: Helping inspire a new generation to financial careers, confident investing
- New banking relationship sets up medical staffing firm for long-term success
- Veteran Spotlight Video Series

Not-for-Profit Not-for-Profit
2025 year in review: WF Non-Profit Healthcare finance and payment themes (PDF)

### Payments & Liquidity

- Vendor payment best Practices (PDF)
- A four-part framework for successful AR automation (PDF)
- How integrated receivables take the pain out of electronic payment posting
- Rethinking treasury for a 24x7x365 world

### Supply Chain Finance

- How the Working Capital Guarantee can unlock growth for U.S. exporters
- From factory to checkout: The supply chain story you didn’t know you were living (PDF)
- Renegotiating terms to offset tariffs? Consider adding supply chain finance
- What is supplier financing and how does it work? (PDF)

### Technology Banking

- Despite short-term uncertainty, sustainable energy tech poised for growth
- How (and when) to source your technology company’s first credit facility
- How proptech innovators can solve three common challenges
- Boston Venture Funding Ecosystem (PDF)
- Fintechs and BaaS companies shift banking strategies to improve compliance, scalability
- How CommandLink is revolutionizing corporate IT

### Treasury Takeaways

Successful Digital Transformations with People, Processes and Systems

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