Asset Based Lending

Relationship Focused Lending for Today’s Lower Middle Market

Sunflower Bank provides relationship-focused asset-based lending (ABL) services to publicly and privately held U.S. lower middle market companies, as well as private equity investors. Our experienced and responsive ABL team understands the value of financial flexibility in an organization’s capital structure and tailors asset-based debt solutions to specific borrower situations.

We focus on asset values, not cash flows—making our ABL product an excellent fit for businesses where traditional measurements of leverage may not provide the capital necessary to meet ongoing needs.

ABL Facilities We Provide

• Revolving Lines of Credit
• Machinery & Equipment Term Loans
• Real Estate Term Loans
• Capital Expenditure Lines
• Delay Draw Term Loans

Why Choose Sunflower Bank ABL

• Deals ranging between $5-75 million 
• Flexible structure and capacity to support a wide range of borrower needs.
• 200+ Years of Combined ABL Experience

Our team brings deep asset-based experience across leading banks and credit platforms, with a proven ability to underwrite and manage complex collateral structures.

Relationship First Approach

Borrowers and sponsors work directly with senior decision makers, ensuring consistency, transparency, and responsiveness throughout the life of the loan. Every facility is tailored to the borrower’s business model, seasonality, and growth plan—never a one size fits all product.

Partner With a Bank That Understands Asset-Based Lending

At Sunflower Bank, we combine decades of expertise, collateral focused underwriting, and a relationship-first mindset to deliver ABL solutions that help businesses move forward with confidence.