There are several alternative names for accounts receivable capital, such as asset-based loan, AR Financing, etc. These are terms for a type of loan that allows access to capital through an inventory, as opposed to just credit or sales. AR financing offers one of the advantages of asset-based lending in that it gives credits based on indebted assets rather than cash flow or credit score. Having a collateral also offer a business with liquidity as collateral to remain in business as it grows without taking out extra equity to pay the lender.