Benchmarks/options for Working Capital financing?

ABL is a viable alternative for financing.

What you need to do is shop around for the obvious; lowest interest rate, lowest monthly fee, caps or low additional fees (and this is a way they get you), explicit terms vis a vis what is a concentration, foreign sales, over x day terms, prepayment penalty, etc.

Especially important is how they calculate your available limit based on A/R. Make sure both you and the vendor understand your business and industry (while yours may be standard, there are companies I've been in that are not standard), so everyone is on the same page.

When you find the best deal (and have vetted the company) my advice is only borrow (take down from your line) exactly what you need and not a penny more.

Since your rate will be well above bank rates (and I've seen them as high as usury allows and with fee's above that rate effectively) you want to be able to eliminate the line and move into a bank.

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Proformative courses by Wayne Spivak: