What Kind of Loan?

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:

Gary Kirshenbaum

Gary is a Vice President of Alper Services, an Alera Group company, and the Director of the Alper Global Trade Risk Management Division (AGT). Under his guidance, AGT provides companies… Read More

Panelists:

Alex Mazer

As Vice President at Big Shoulders Capital, Alex Mazer focuses on deal sourcing and underwriting. Originally from Baltimore, Maryland, Mr. Mazer moved to Chicago in 2009 to run a consumer… Read More

Jonathan Friedland

Jonathan Friedland is a principal at Much Shelist. He is ranked AV® Preeminent™ by Martindale.com, has been repeatedly recognized as a “SuperLawyer”, by Leading Lawyers Magazine, is rated 10/10 by… Read More

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… Read More