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Kyle Peterdy – Asset-Based Lending & Alternative Finance – CFI Education review, Kyle Peterdy – Asset-Based Lending & Alternative Finance – CFI Education download, Kyle Peterdy – Asset-Based Lending & Alternative Finance – CFI Education free

Kyle Peterdy – Asset-Based Lending & Alternative Finance – CFI Education

Asset-Based Lending & Alternative Finance

Examine lending structures for borrowers that may not fit the parameters of a traditional senior lender (like a commercial bank or credit union)

• Explore non-traditional lending solutions like PO Financing, Factoring, and ABL
• Understand how these loan types are structured and analyzed
• Work through client examples and examine a projection model

Overview

Asset-Based Lending & Alternative Finance Course Overview

This Asset-Based Lending & Alternative Finance course dives into lending solutions for borrowers that don’t fit the target profile of a more traditional senior lender, like a commercial bank. Despite falling short of these requirements, many companies are still attractive borrowing prospects for alternative finance firms. This course shows how lenders assess these unique opportunities and structure non-standard credit by leveraging balance sheet assets as collateral to support riskier borrowers. We will also examine the differences between these solutions and more traditional forms of commercial financing.

The lending solutions we will be looking at in this course are: purchase order financing (PO financing), accounts receivable factoring (A/R factoring), asset-based lending lines (ABL lines), and sale-and-leasebacks.

Asset-Based Lending & Alternative Finance Course Learning Objectives

Upon completing this course, you will be able to:

• Compare alternative lending structures, including purchase order financing, accounts receivable factoring, Asset-based lending (ABL) lines, and sale-and-leaseback transactions.
• Differentiate between asset-based lending solutions and more traditional forms of commercial financing—like operating lines of credit.
• Analyze the underlying causes of weak or deteriorating risk ratings and identify when a good lending opportunity may still exist.
• Calculate credit needs for various borrowing scenarios.
• Recommend the most appropriate lending solution based on important client characteristics like business type, lifecycle, and capital structure.

Who Should Take This Course?

This Asset-Based Lending & Alternative Finance course is suited for current and aspiring commercial lending professionals and credit analysts. Commercial bankers and analysts can work for many different types of financial institutions. It is important to understand the tools available for any type of lender to provide value to their borrowers. This course will prepare you with the knowledge you need to identify and apply these alternative financing tools and strategies.

What you’ll learn

Introduction
Introduction
Learning Objectives
Download Course Files
The Case for Asset-Based Lending
Types of Asset-Based Lending
Asset-Based Lenders
Structure of the Course
Traditional Commercial Borrowers
Interactive Exercise 1

Purchase Order Financing
Working Capital Funding Gap
Purchase Order Financing
Client Introduction – ABC Incorporated
Case Context – ABC Incorporated
Interactive Exercise 2
PO Financing Case – Assumptions and Drivers
PO Financing Case – Modeling the Transaction
PO Financing Case – Effects on the Financial Statements
Download Completed Files
Key Analysis Points in PO Financing
Other Mitigation Strategies

Accounts Receivable Factoring
Accounts Receivable Factoring
Comparison of Working Capital Funding Sources
AR Factoring Process
Interactive Exercise 3
Recourse vs. Non-Recourse
Regular vs. Spot
Notification vs. Non-Notification
Underwriting and Assessing Risk
Interactive Exercise 4

Asset-Based Lending Line
Asset-Lending (ABL) Line
Client Characteristics
Business Results
Identifying Factors Eroding Capital Structure
Interactive Exercise 5
Collections and Disbursements
Margin Frequency
Right-Sizing
Underwriting ABL
Ongoing Management
Client Introduction
ABL Line Case – Intro and Assumptions
ABL Line Case – Cash Flow and Ratios
ABL Line Case – Risk Appetite and Projected Line Usage
Summary and Comparison
Interactive Exercise 6

Sale-and-Leaseback
Sale-and-Leaseback
Asset Value
Amortization
Sale-and-Leaseback Case – Client Introduction
Sale-and-Leaseback Case – Assumptions
Sale-and-Leaseback Case – Ratios
Download Completed Files
Waivers

Conclusion
Conclusion

Qualified Assessments
Qualified Assessment

This Course is Part of the Following Programs

Why stop here? Expand your skills and show your expertise with the professional certifications, specializations, and CPE credits you’re already on your way to earning.

What our students say

Strongly recommended

Dear learners, I strongly recommend you to take this course for expanding the skills required in credit facility operation. In addition, it gives you a clear understanding of how to make a long lasting relationship with your borrower while maintaining credit return.
Atinafu Asefa

Super interesting course about alternative lending structures
I think these loan structures provide a wider spectrum of possible solutions for clients who need a quite urgent cash injection. However, traditional financial institutions cannot serve them.
Gabor Andras Koltai

A great course

CFI is the to-go institute for upskilling in finance
Vincent Njoroge

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