Fueling the Borderplex:
Working Capital for
El Paso Businesses
Fast, flexible funding for logistics, construction, and local SMBs. Asset-based decisions in 24–48 hours — real estate, receivables, or equipment as collateral.
By clicking, you consent to being contacted by our lending partners. Franklin Funding is a referral platform — not a direct lender. No cost to apply. No hard credit pull. Full disclosure →
Borderplex Lending Snapshot
Funding Solutions for Every Borderplex Business
We match El Paso entrepreneurs, real estate investors, and logistics companies with the right capital — secured by assets, not just credit scores.
Revenue Based Finance
Flexible repayment tied to your monthly revenue. No fixed payment stress. Ideal for seasonal Borderplex businesses.
Learn More →Logistics Factoring
Same-day cash for freight invoices. El Paso trucking companies and freight brokers get funded on Port of Entry loads.
Learn More →Construction Bridge Loans
Short-term bridge financing for construction draws, land acquisition, and pre-stabilization gaps. Close in 7–14 days.
Learn More →Equipment Leasing
Finance heavy machinery, fleet vehicles, and specialized equipment with asset-backed lending. 100% equipment value eligible.
Learn More →Fast Working Capital
Unsecured working capital and merchant cash advance alternatives for El Paso SMBs that need cash in 24–48 hours.
Learn More →Merchant Alternatives
Lower-cost alternatives to high-factor-rate MCAs. Get the capital you need without triple-digit effective APRs.
Learn More →Calculate Your Funding Potential
Use our free calculators to estimate your loan-to-value ratio, DSCR coverage, bridge loan costs, and invoice factoring net proceeds — all before speaking to a lender.
- ✓ LTV Calculator — Max loan amount by collateral value
- ✓ DSCR Calculator — Rental income vs. PITIA coverage
- ✓ Bridge Loan Cost Estimator — Interest + origination fees
- ✓ Invoice Factoring Calculator — Net proceeds after fees
3 Steps to Working Capital
Submit Your Application
Free 5-minute application. No hard credit pull. Tell us about your assets, revenue, and funding goals.
Get Matched with Lenders
Our network of asset-based lenders reviews your profile — ROK Financial, QuickBooks Capital, and private lenders.
Receive Your Funding
Review term sheets, choose your best offer, and receive funds in 24–48 hours for working capital or 7–14 days for secured loans.
Serving the Entire El Paso Borderplex
From Downtown El Paso to Horizon City, Socorro, and Santa Teresa — our lender network covers all 17+ Borderplex zip codes spanning the Paso del Norte Region. The City of El Paso Economic Development Dept. and UTEP Border Region researchers document the cross-border commerce our lenders understand — from Maquiladora supply chain finance to Fort Bliss Military Ecosystem contractor funding along the Borderplex Trade Corridors connecting El Paso and Ciudad Juárez.
El Paso Central
79901 – 79905 • Downtown / Medical District
East El Paso
79925, 79928, 79936 • Logistics Corridor
Northeast / Fort Bliss
79924, 79934 • Military & Contractor Zone
Westside El Paso
79912, 79932 • Commercial & Retail Hubs
Horizon City
79928 • Fast-Growing Suburb
Socorro, TX
79927 • South El Paso Valley
Santa Teresa, NM
Borderplex Logistics Port
Canutillo & Anthony
79835 / TX-NM Line
Asset-Based Lending FAQ
What is asset-based lending and how does it work in El Paso? +
Asset-based lending (ABL) is secured primarily by business assets — real estate, accounts receivable, inventory, or equipment — rather than solely on creditworthiness. In El Paso, ABL is popular for commercial real estate investors, logistics companies collateralizing fleet assets, healthcare providers factoring Medicare receivables, and maquiladora suppliers. LTV ratios typically range from 60–80%.
Do I need good credit to qualify for asset-based lending? +
Credit scores matter less than in conventional bank loans. Since the loan is secured by hard collateral, many lenders approve borrowers with FICO scores as low as 550–600, provided the collateral quality is sufficient and DSCR ratios are adequate. Bad credit is not an automatic disqualifier for El Paso borrowers with strong asset bases.
How fast can El Paso businesses get approved? +
Working capital and revenue-based financing: 24–48 hours. Invoice factoring and AR lines: 48–72 hours. Bridge loans secured by real estate: 7–14 days. Equipment financing: 3–5 business days. Portfolio rental loans: 14–21 days.
Is Franklin Funding a direct lender? +
No. Franklin Funding is a digital referral platform connecting El Paso business owners with third-party lenders including ROK Financial and QuickBooks Capital. We do not originate loans, make credit decisions, or hold security interests. There is no cost to apply through our platform.
What types of collateral can I use in El Paso? +
Commercial and residential real estate (LTV up to 75%), accounts receivable (advance 70–85%), equipment and machinery (50–80% of value), inventory (30–60%), freight invoices, maquiladora receivables, and Port of Entry logistics contracts that national banks often overlook.