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Asset Based Lending

Our Services

Our professionals work closely with clients to establish funding that meets the unique characteristics of their industry and business. This tailored approach is carried through in our ongoing servicing to ensure our ABL solutions allow clients to focus on what they do best: grow their business and succeed.

Asset-Based Revolving Lines of Credit and Term Loans

  • More flexibility than a traditional operating facility
  • Advances of up to 90% on accounts receivable and 90% of appraised inventory value
  • Term loan advances based on the appraised values of fixed assets
  • Facility limits are based on asset lending values to maximize access to capital
  • International / cross-border financing structures
  • Loan facilities available in Canadian and/or US dollars and many other currencies
  • Solutions available for midsized and large companies (facility sizes range from $2 million to large syndicated transactions of more than $1 billion)
  • Committed facilities with terms up to five years

Products & Services

Our ABL group provides companies with committed revolving lines of credit and term loans under a covenant light structure. These forms of financing are ideal for companies that are:

  • Looking for growth financing
  • Funding a merger or acquisition
  • In a cyclical or seasonal industry
  • Faced with high leverage, outside of conventional lending criteria
  • Experiencing restricted cash flows or in a turnaround situation
  • Need to refinance existing debt, restructure and/or recapitalize
  • Financing a management or leveraged buy-out

Selective Invoice Discounting

  • Specific receivables are purchased by RBC to accommodate client balance sheet risk transfer or structuring needs
  • A form of financing that will enhance your current operating facility, serving as either a complimentary product to an existing operating line or a stand-alone facility
  • Invoices can be purchased for up to 100% of their face value

Asset Based Lending Team

A team of specialized lenders within our Corporate Client Group, that deliver the Asset Based Lending product and support RBC’s corporate clients across all of Canada

Robert Kizell

Managing Director

Robert Kizell is the Managing Director and Head of ABL at RBC’s Corporate Client Group. In this capacity, Robert leads a team of professionals which provides their expertise to RBC’s Canadian business to make available the ABL product to the various markets that RBC serves. Robert received his BA in Economics from York University and his MBA in Finance from Dalhousie University.

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Edward Lynch

Director

Edward Lynch is the Director and Head of ABL Origination at RBC Corporate Client Group. In this capacity, he leads the team responsible for originating, structuring and executing ABL transactions for RBC’s client base. Edward holds an Honours BBA from Wilfrid Laurier University and a MBA from the Rotman School of Management at the University of Toronto.

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