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We were thinking about this the other day and perhaps another way to explain it is that this type of commercial borrowing is similar to the home equity credit line, where under one security agreement you can draw your funds for any purpose.The assets that are monetized under an Asset Based credit are:ReceivablesInventoryEquipmentReal Estate - if applicableThe equipment must of course be unencumbered, and the real estate,Ralph Lauren Outlet, if it's applicable in your firm's situation uses the equity that's left in your real estate, i.e. the un-mortgaged amount.Some readers might think that all of this might sound a little complex, but the reality is that the ABL line operates 100% in the same manner as a bank line of credit, i.e. the same security agreements, and the same daily method of usage as you draw down on the facility as you sell and collect your products and services. 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