Financial Poise
Biz Borrowing Basics - What Kind of Loan

What Kind of Loan? 2021

In a broad sense, most loans can be divided into two basic types: an asset-based loan (ABL) and a cash flow loan.

An ABL is made by a lender who underwrites the loan primarily by valuing the company’s assets, such as accounts receivable (A/R) and inventory. An ABL lender underwrites a loan based on the ability to liquidate its collateral should it need to. A “cash flow” lender, in contrast, while also secured against the borrower’s assets, underwrites the loan primarily based on the cash flow and general credit-worthiness of the borrower.

The distinction between these types of loans is only the beginning of understanding the many types of loans available to a business, because within each of the two types there are many subtypes.

This webinar takes the audience through a guided tour of the various borrowing options available to businesses, from both a business and legal perspective, to paint the overall landscape of the different types of lenders that exist and to provide a framework for understanding what type of lender and loan may make sense for any particular borrower.

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Webinar Faculty

Moderator:

Hajar Jouglaf
Hajar Jouglaf

Hajar Jouglaf is an associate at Sugar Felsenthal Grais & Helsinger who collaborates with clients to identify and resolve critical issues when dealing with distressed situations. Hajar also sits on… Read More

Panelists:

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Arlene Martin

Arlene has been in the financial industry since 1988, ranging from Business Banking/Commercial Lending to Commercial Real Estate. As an SBA Lender with Huntington Bank, she has determined that there… Read More

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Harvey Gross

Harvey Gross is the founder and president of HSG Services Inc. He was formerly a vice president with Bank of America for over 30 years. He served as wholesale credit… Read More

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Phillip Buffington

Phil Buffington joined Adams and Reese in 2011 and serves as Leader of the Financial Services Team, and is a Partner in the Transactions Practice Group. For more than 30 years, Phil has… Read More

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