Market notes on commodities, trading houses and structured finance themes that affect how deals are underwritten.
Market Insights
When you need money to grow your business, you’ll probably run into two main types of loans: asset-based lending and cash flow lending. These options work in pretty different ways. One looks at what your business owns. The other focuses on how much money your business brings in.
Market Insights
When you're raising capital for a business or real estate deal, knowing the different types of debt can make or break your financing strategy. Two common options sit at different levels of the capital structure: senior debt and mezzanine debt. Each serves a distinct purpose and comes with
Market Insights
When lenders agree to provide financing, they don’t just hand over the money right away. They set certain conditions, called conditions precedent, that you need to meet first. A conditions precedent financing checklist is basically a detailed list of requirements borrowers must satisfy before a lender will release loan
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When you use assets as collateral for a loan, lenders want to know how much they could actually get if you default and they need to sell those assets fast. Liquidation value collateral is the estimated amount a lender expects to receive when selling pledged assets under time pressure, usually
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When you want to borrow money for your business and use inventory as collateral, lenders aren't going to hand over the full value of that inventory. An inventory advance rate is the percentage of your inventory's value that a lender will loan you—usually somewhere between
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When you apply for a secured loan, lenders want to know if your collateral is actually worth enough to protect them if you can't pay back. That's where collateral coverage analysis comes in. Collateral coverage analysis is the process lenders use to compare the value of
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A financial model submitted for financing is a representation of the borrower's transaction, not a forecast of the lender's loan-origination business. Reviewing it means checking whether an independent analyst can reproduce the repayment case, find the evidence and identify what remains unresolved. This is a
Market Insights
A lender-ready financial model is basically a structured spreadsheet that lays out how your business will perform financially. It also shows your ability to repay borrowed money. Banks and lenders rely on these models to decide if they’ll approve your loan application. Without a solid model, even strong
Market Insights
When you apply for a loan, lenders don't just glance at whether your deal looks profitable. They dig deep, running a detailed evaluation to see if the project can actually produce enough cash flow to pay back the debt and protect their investment if things go sideways. Lenders
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Importing goods from abroad takes a lot of upfront cash. Most businesses just don’t have the cash flow to pay suppliers while waiting for their own customers to settle up. An import finance advisor helps you tap into specialized funding solutions like letters of credit, supplier payment facilities, and
Market Insights
Running a growing business? It’s exciting, but sometimes you get a big customer order and realize you just don’t have enough cash to pay your suppliers upfront. That’s where purchase order financing can step in. A purchase order finance advisor helps businesses secure short-term funding to
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Managing cash flow gets tricky when your business wants to pay suppliers quickly but also needs to keep money available for other things. Supplier payment finance is a setup where a third-party institution pays your suppliers early for you, so you can hold onto your cash longer while suppliers