Financial Poise

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 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
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

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
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

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