Blue Ridge Finance provides flexible asset-based lending solutions — unlocking the capital already sitting in your receivables, inventory, and equipment so your business never has to slow down.
We believe every growing business deserves access to the capital locked within its own assets. Unlike traditional lenders, we look at what your business has — not just its credit score — to structure financing that scales with you.
Blue Ridge Finance is an independent asset-based lender serving mid-market companies across the United States. We specialize in revolving credit facilities and term loans secured by accounts receivable, inventory, and equipment.
Our team of seasoned professionals understands the nuances of your aging report better than anyone — and we use that knowledge to structure deals that make sense for your business today and tomorrow.
From revolving lines tied to your receivables to equipment-backed term loans — our products are built for businesses that need flexible, reliable capital.
Revolving facilities sized to your eligible receivables. Draw what you need — availability grows as your sales grow.
Unlock capital tied up in finished goods, raw materials, and work-in-progress to keep your supply chain moving.
Leverage the value of your machinery, vehicles, and technology with structured term loans at competitive rates.
Short-term overadvance structures to bridge seasonal gaps, acquisitions, or temporary working capital shortfalls.
Creative solutions to stabilize operations for businesses navigating financial challenges and restructuring.
Partner with us for leveraged buyout and add-on acquisition funding backed by the combined asset base.
Share your AR aging report and basic financials. No lengthy applications — just the data that matters.
Our credit team analyzes your eligible collateral and issues a term sheet within 48 hours.
Streamlined field exam and legal review. Most deals close within 2–3 weeks of execution.
Access your credit line immediately — with a dedicated relationship manager by your side.
We're not a bank. We're a dedicated ABL lender — faster decisions, more flexibility, and a team that truly understands your collateral.
No committees thousands of miles away. Our underwriters decide locally and quickly.
Your credit availability moves with your receivables — as revenue grows, your line grows.
One point of contact who knows your business, industry, and goals from day one.
We've financed turnarounds, rapid-growth companies, and seasonal businesses banks won't touch.
"Blue Ridge Finance closed our $4M credit facility in under three weeks. Their team understood our receivables better than our own bank ever did — and the line has grown alongside our revenue every quarter."
Every facility we structure is built around your specific collateral, industry, and growth trajectory — not a one-size-fits-all template.
Revolving credit facilities sized dynamically to your eligible receivables. Draw what you need, when you need it — with availability that expands as your sales volume grows. Ideal for businesses with consistent B2B billing cycles.
Revolving$500K – $30MAR-SecuredUnlock the capital tied up in finished goods, raw materials, and work-in-progress. We lend against eligible inventory values — typically 50–65% of appraised value — to keep your supply chain and production floor moving without cash flow gaps.
Term or RevolvingInventory-SecuredAll IndustriesLeverage the appraised value of your machinery, vehicles, production equipment, and technology infrastructure. Structured term loans with amortization schedules aligned to asset useful life and competitive interest rates.
Term LoanEquipment-Secured3–7 Year TermsShort-term overadvance structures to bridge seasonal revenue gaps, acquisition funding needs, or temporary working capital shortfalls while permanent financing is arranged. Fast execution is our hallmark here.
Short-TermBridgeFlexible StructureWe work alongside companies and their advisors navigating financial challenges, covenant violations, or lender transitions. Our team structures creative, asset-secured solutions to stabilize operations and fund a credible path forward.
Special SituationsRestructuringDIP AvailablePartner with us for leveraged buyout financing, management buyouts, and add-on acquisition funding backed by the combined asset base of the enterprise. We work efficiently with PE sponsors and management teams.
LBOMBOAdd-On AcquisitionsWe typically work with businesses generating $2M or more in annual revenue, though we consider smaller companies with strong receivable quality and growth trajectories.
Eligible receivables are generally under 90 days, due from creditworthy commercial obligors, with no significant concentration in a single customer exceeding 25–30%.
We lend across most industries where tangible collateral exists. Service businesses with consistent B2B billing, distributors, manufacturers, and staffing firms are ideal fits.
We've engineered our process to be as fast and frictionless as possible — because when you need capital, you can't afford to wait months for a decision.
The conversation starts simply: send us your accounts receivable aging report and a brief overview of your business. No lengthy applications, no financial history going back ten years — just the data that actually drives our credit decision.
Within one business day, a senior member of our credit team reviews your materials and reaches out for a 30-minute discovery call. We want to understand your business — not just your balance sheet.
If there's a fit, we issue a non-binding term sheet within 48 hours of our introductory call. The term sheet outlines your borrowing base, advance rates, facility size, pricing, and key conditions.
Upon term sheet acceptance, we conduct a streamlined due diligence process including a field examination of your receivables and, where applicable, your inventory. We focus on what's relevant — not what's bureaucratically required.
Most transactions close within 2–3 weeks of term sheet execution. Once closed, you have immediate access to your credit line and are assigned a dedicated relationship manager who will be your single point of contact going forward.
We've financed companies across a wide range of sectors. Understanding industry-specific collateral nuances and cash flow patterns is core to what we do.
Consulting firms, law firms, accounting practices, and marketing agencies with consistent B2B billing. We understand long payment cycles and concentrate our lending on the receivable quality rather than hard assets.
Temporary staffing agencies, executive search firms, and workforce solutions providers. Staffing companies are ideal ABL borrowers given their highly liquid, short-cycle receivables and predictable billing patterns.
Wholesale distributors, freight brokers, third-party logistics providers, and supply chain companies. We finance the gap between inventory purchase and customer payment — often the most capital-intensive period in distribution.
Contract manufacturers, component makers, and industrial producers. We lend against both finished goods inventory and trade receivables, providing a fully integrated working capital facility that moves with production.
Home health agencies, therapy practices, medical staffing firms, and healthcare services companies. We have deep experience with insurance receivable valuation and Medicare/Medicaid billing timelines.
IT services firms, managed service providers, software resellers, and technology integrators with enterprise contracts. We focus on contracted, recurring revenue streams and the receivables they generate.
Our team brings decades of combined experience in asset-based lending, commercial finance, and middle-market credit — with a shared commitment to straightforward, relationship-driven lending.
At Blue Ridge Finance, credit decisions aren't made by algorithms or distant committees. They're made by experienced lending professionals who understand your business, your industry, and the collateral backing your facility.
Our leadership team averages over 20 years in commercial finance — having originated, structured, and managed ABL facilities ranging from $500K community deals to $50M syndicated credits.
"We built Blue Ridge Finance because mid-market companies deserve a lender that actually reads the aging report — one that understands the business behind the numbers and makes decisions accordingly."
30+ years in commercial finance and asset-based lending. Former Managing Director at Wells Fargo Capital Finance and CIT Group. Robert founded Blue Ridge Finance in 2001 with the mission of bringing institutional-quality ABL to the mid-market.
25 years of credit underwriting and portfolio management experience. Former SVP of Credit at Rosenthal & Rosenthal. Sandra oversees all credit decisions, field examination practices, and portfolio risk management for the firm.
20 years in structured finance and capital markets. Prior roles at JPMorgan and SLR Business Credit. David manages Blue Ridge's funding facilities, treasury operations, and financial reporting — ensuring capital is always available to deploy.
18 years in commercial lending and relationship management. Lauren leads Blue Ridge's origination efforts across the Southeast and Mid-Atlantic, with deep expertise in professional services, staffing, and healthcare receivables financing.
15 years managing ABL portfolios across manufacturing, distribution, and healthcare sectors. Marcus oversees borrowing base administration, covenant compliance, and day-to-day relationship management for the firm's active portfolio.
12 years in commercial lending law with prior experience at a leading financial services law firm in Charlotte. Jennifer manages all loan documentation, UCC filings, regulatory compliance, and legal risk for Blue Ridge's lending portfolio.
Our independent board brings senior expertise from commercial banking, private equity, and corporate finance.
Former Vice Chairman, Bank of America Commercial Finance. 35 years in institutional lending.
Managing Partner, Piedmont Capital Partners. Former SVP, PNC Business Credit.
CFO, Ridge Manufacturing Corp. 28 years in corporate finance and treasury management.
Partner, Evans & Cross LLP. Specializes in financial services regulation and secured lending law.
We say what we mean and do what we say. Our term sheets reflect our actual lending appetite, and our decisions are consistent and transparent.
We respect that your business can't wait. Our processes are designed to move quickly — from term sheet to close, we eliminate unnecessary delays.
We view our borrowers as long-term partners, not transactions. Our goal is to grow with you — structuring facilities that evolve as your business does.
ABL is all we do. That singular focus means our team has deeper collateral knowledge and industry experience than generalist lenders can offer.
Whether you're ready to apply or just exploring your options — we're happy to talk. Send your aging report or drop us a line and we'll be back to you within one business day.
No hold music, no call centers. When you reach out, you speak directly with an experienced member of our lending team.
Fill out the form below and attach your AR aging report. We'll review it and follow up within one business day.
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525 N. Tryon Street, Suite 1600
Charlotte, NC 28202
(626) 592-5876
1230 Peachtree Street NE, Suite 1900
Atlanta, GA 30309
(404) 555-0188
2323 Victory Avenue, Suite 700
Dallas, TX 75219
(214) 555-0177