There are a variety of different asset-based lending companies, all of which have different structures, credit criteria, and rates. Rates for an asset-based loan can range from 5.25% to 15% and can be structured as an asset backed line of credit or an asset-based term loan. Below is a list of factors that can affect your rate. The net fixed assets include the amount of property, plant, and equipment less accumulated depreciation for operations, will generally have a lower ROA, as their large asset base will increase the denominator of the formula. Naturally, a company with a large asset base can have a large ROA, if their income is high enough. What is Net Income? How to Calculate an Asset Growth Rate. When buying an asset as an investment, it is critical to understand how that asset can be expected to behave in the future. A high, stable growth rate is the obvious desired …