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Asset-Based Lending

Our expert team takes a creative approach that's tailored to the unique needs of your business, not just any business. Whether you’re looking to borrow funds for growth, recapitalization, working capital, or an acquisition, merger, or buyout, we have the financing you need to meet your business goals.

Expertise in Asset-Based Lending

We offer tailored solutions to meet our client's unique needs.


Transaction Sizes

Loans range from $2 million to $20 million for businesses and strategic partners located in the Northeast.

Revolving Loans

  • Secured by accounts receivable and inventory
  • Advance rates on eligible inventory up to 85% of appraised value
  • Advance rates on eligible accounts receivable up to 90%
  • Seasonal stretch facilities where appropriate
  • Competitive interest rates 

Term Loans

  • Secured by equipment, real estate, and as appropriate, intellectual property
  • Amortizing and non-amortizing, depending on the situation
  • Flexible amortization schedule, including moratorium and varying terms relative to cash flow

Check Out Some of Our Recent Deals

  • Cambridge Savings Bank Provides Stauer With a $10.5 Million Credit Facility to Facilitate Future Growth

    Read More
  • Cambridge Savings Bank Extends $10 Million Revolving Line of Credit to Leadpoint Business Services

    Read More
  • Cambridge Savings Bank Forms Relationship with Bigbelly Solar, Extends Credit Facility to Facilitate Growth

    Read More

Keith Broyles

SVP | Head of Asset-Based Lending 
Phone: 617.441.4235


Yvonne Kizner

SVP | Asset-Based Lending 
Phone: 617.234.7232

John Bobbin

FVP | Asset-Based Lending
Phone: 617.575.8590

Michael Richardson

Michael Richardson

VP | Relationship Manager
Phone: 617.441.7062


Keith is a 32+ year veteran of the Asset-Based Lending industry having started his career in January, 1990 with Shawmut Bank (Boston, MA) as a Field Examiner. Over the years, Keith has been a Credit Analyst, Account Manager, Portfolio Manager, Underwriter, Regional Manager, New Business Development Officer, National Head of Business Development and Senior ABL Executive. Keith has essentially held (and experienced) every position there is within a asset-based lending group, except for holding a credit pen.


Keith has demonstrated his strength as a leader in early-stage development of asset-based lending groups multiple times in his career. Most recently when he started the Asset-Based Lending Group at Cambridge Savings Bank in 2019. Keith is known to have excellent communication and people skills, process a proficient network of contacts and has been a very strong producer of new business for more than 27 years. Everything he does, every approach he takes, is relationship driven and relationship focused.


Keith earned his Bachelor of Science-Accounting at the University of Massachusetts-Dartmouth.



With over 25 years of professional experience in Asset-Based Lending and Professional Services, Yvonne holds specialized knowledge in liquidation values and asset valuation.


Yvonne is a seasoned professional with a deep network of referral sources through servicing the asset-based lending community in advisory capacities (Gordon Brothers and Hudson Capital) as well as multiple years of driving direct lending new business opportunities.


Prior to joining Cambridge Savings Bank, Yvonne served as the Senior Vice President at Blue Hills Bank, where she co-founded the Asset-Based Lending group along with Keith Broyles. When that group was acquired by Rockland Trust, Yvonne and Keith co-founded the Asset-Based Lending group at Cambridge Savings Bank in April, 2019. Yvonne has also held senior leadership roles at First Niagara Commercial Finance, HCP Asset Advisors, LLC, Hudson Capital Partners and Gordon Brothers Group.


Yvonne earned her Bachelor of Science at Babson College and started her career as a Certified Public Accountant at PricewaterhouseCoopers.



John is a First Vice President and Senior Asset-Based Lending Officer at Cambridge Savings Bank. In his current role, John provides solutions to assist businesses with financing needs to support growth, recapitalization, working capital, or an acquisition, merger, or buyout.


John has been with Cambridge Savings Bank since September 2018 and has been part of the Asset-Based Lending team since August 2019. Prior to joining Cambridge Savings Bank, John spent twenty-one years in corporate banking at Citizens Bank, with seventeen of those years specializing in Asset-Based Lending. John has a BA in Economics and English from Tufts University and an MBA from Boston University.



Michael is a Vice President and Relationship Manager at Cambridge Savings Bank. He is responsible for managing several of the bank’s ABL relationships, while leveraging his vast network to identify and close on new lending opportunities. Additionally, he supports the team in crafting custom solutions to assist businesses with financing needs to support growth, recapitalization, working capital, and/or an acquisition, merger, or buyout.


With over a decade of experience in the local banking industry, Michael has established strong connections in the New England ABL industry. Prior to his current role, Michael served as a Portfolio Manager, Asset-Based Lending at Eastern Bank for nearly six years. Earlier in his career, Michael gained experience working in the ABL division for a number of well-known banking institutions, including Key Corporate Bank, First Niagara Bank, and TD Bank. During his career, Michael has managed a variety of account sizes and has underwritten loans to commercial, industrial, retail, and wholesale companies.


Michael holds a Bachelor's degree in Finance and Accounting from Northeastern University and a Master's in Business Administration from Bentley University.


Start Your Relationship Today

To learn more about Asset-Based Lending at Cambridge Savings Bank, or to schedule a meeting, connect with us today.

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