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How to get an Assets Based Loan: More Information on this Product will be Available on the UB Solution’s Website on September 6th, 2012


New Yrok, NY (PRWEB) September 04, 2012

Traditional Banks may have significant problems with asset-based loans. Banks are limited by the internal credit granting philosophies and federal regulations. Asset-based lenders that are either nonbanks or separate subsidiaries of banks are not subject to such restrictions. This gives asset-based lenders the ability to finance thinly capitalized companies.

Asset Based Loans are usually made by a Bank’s Assets Based Lending Division, Commercial Finance Companies and Private Capital Sources. This kind of Financing is usually used in the absence of sufficient equity or more conventional loan, by the companies that do not have the credit rating or track record to qualify for more traditional types of financing, may be rapidly growing, highly leveraged, in the midst of a turnaround or undercapitalized. Asset-based lenders focus on the quality of collateral rather than on credit ratings.

Most asset-based lenders would prefer to make loans larger than $ 500,000, because the cost to monitor an asset-based loan is generally the same whether it’s large or small. Asset Based Lenders generally have higher expenses than Bankers, therefore Assets Based Loans are more expensive than bank financing.

Assets Based Loan is the loan collateralized by an asset or combination of assets. If loan is not repaid a lender has the right to seize the underlying collateral.

In the corporate world a loan is tied to the inventory, accounts receivable, purchase orders, machinery and equipment. However, Private Capital Sources might be able to secure a loan against Real Estate, Paintings, Wine Collection, Work of Art, Jewelry, Publically Traded Securities, etc.

Assets Based Financing takes place when borrower is unable to raise capital in the normal marketplace or needs more immediate capital for project financing needs, such as inventory purchases, acquisitions and expansions.

An Asset Based line of credit is usually designed to allow the company to bridge itself between the timing of cash flows of payments it receives and expenses – the delay between selling something to a customer and receiving payment for it.

The revolving credit limit fluctuates based on the actual accounts receivables balances that the company has on an ongoing basis. A lender will monitor and evaluate the accounts receivables size, that in exchange allows for larger limit lines of credits. As a protection, terms stipulating seizure of the collateral in the event of default allow the lender to profitably collect the money owed to the company in the case of default.

The lender hedges its risk by controlling who the company does business with to make sure that the company’s customers can actually pay, by requiring that the company deposit all of its funds into a “blocked” account. The lender then approves any withdrawals from that account by the company.

REVOLVING LINE OF CREDIT

The reason to establish a revolver is to maximize the lending capacity available to the borrower.

The line of credit typically is secured by the companys receivables, equipment and inventory.

Term of a revolver is usually one to three years. The borrower grants a security interest in its receivables, equipment and inventory to the lender as collateral to secure the loan.

The borrowing base consists of the assets that are available to collateralize a revolver. The size of the borrowing base correlated with the borrowers current assets , but limited to the overall revolving line’s of credit size. As the borrower generates additional receivables from sales, increases amount of the inventory, acquires new equipment, the borrowing base will reflect all the changes that can be augmented on the monthly basis, but should be compared to the balance sheet for consistency.

Hard Money, Bridge Financing and Mezzanine Loans are also Assets Based, but used as a last resort by the borrowers that will not be approved by the more conventional lending sources or when available amount from these sources has been exhausted.

Universal Business Structured Solution is equipped with specialized knowledge of the marketplace. By examining every aspect of our clients business UB Solution is able to engineer out of the box affordable financing quickly and efficiently. Based on the client’s particular situation we can bring Debt, Equity, Bridge and Mezzanine Financing to the table from a Private and Institutional Capital Sources.

Please contact UB Solution for more information regarding our services or for an initial consultation and evaluation:

Yury Iofe, Managing Partner, MBA

Universal Business Structured Solution

yiofe(at)ubssolution(dot)com

http://www.ubssolution.com

More educational resources:

http://ubssolution.com/education.htm







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Certified Securitization Analysis Re-Brands and Expands Product Offerings in the Wake of new Judgments vs. Banks in Wrongful Foreclosure and Illegal Debt Collection Practices


San Francisco, California (PRWEB) May 17, 2012

CSA, LLC (formerly Certified Securitization Analysis, LLC), the leading resource for consumers in debt has re-branded and launched their new website at http://www.1analysis.com. Offering an expanded suite of products which will empower consumers in the fight against wrongful, and in many cases illegal debt collection, CSA, LLC now offers securitization audits and analysis covering not only Commercial and Residential Real Estate Loans but also Credit Cards, Retail Installment Agreements i.e. Auto Loans and Student Loans.

With over 600* million credit cards currently in circulation in the US alone and the average credit card debt per household standing at close to $ 16,000**, many consumers are now defaulting on their credit cards. Similar to sub prime mortgage lenders, credit card issuers have been seeking to maximize profits by lending to those who are financially vulnerable and then spreading the risks by selling off securities based on credit card receivables. The financial crisis has reduced households access to credit, undermining the competitiveness of the credit card industry. Thus, credit card companies are more likely to be able to charge higher rates without losing all of their customers. Credit card companies will have no incentive to conduct proper underwriting of new accounts, since losses can be spread among the existing account holders who have fewer opportunities to change cards. If underwriting is tainted in these situations, then the securitization process is compromised and holds the same pitfalls as mortgage backed securitization, which leads to lack of standing by the banks and causes wrongful debt collection to proceed unmonitored. The consumer loses accordingly.

In the case of retail installment agreements, the auto loan is the most similar example to mortgage backed securities. Car dealerships have often securitized a sizeable portion of their customers’ auto loans – that is, bundling several loans from purchasers into a security and then selling the security as a whole to a larger corporation. Securitizations enable a lender to remove debt from its books and sell them to larger financial institutions. Recently, many car purchasers have reported that their interest rates and monthly payment plans changed as soon as their loans became part of a securitized portfolio. Buried in the fine print of the auto loan were terms and conditions that allowed the securitized portfolio’s manager to make these adjustments, and precluding the borrower or car purchaser from contesting the change.

Since no direct communication occurs between the customer and the large company that takes over the loan (customers are often unaware that their loans were securitized at all), car salesmen have been accused of fabricating the client’s financials in order to close a deal. A recent case highlighted one individual whose monthly payments increased to $ 425 a month from $ 250 after their loan was part of a portfolio syndicated to a national bank because the dealership had changed his income information. Living on just $ 800 monthly Social Security disbursement, this person could not possibly have qualified for the loan.

In addition, student debt has now become a nightmare for Americans with the potential to explode as the next major US financial crisis as students and workers seeking retraining in a tough economic market are borrowing extraordinary amounts of money through federal and private loan programs to help cover the rising cost of college and training. Currently out of the $ 1Trillion student loan debt on the books, $ 300 Billion of that debt is currently 30 days or more past due.

CSA, LLC has recognized that the financial institutions are now foreclosing on America and are not helping Americans solve their financial debt crisis. Were on the securitization roller-coaster and its going off the tracks fast as consumers plunge deeper and deeper into debt and greedy financial institutions continue their wrongful debt collection practices. says Adam J. Meyer, CEO of CSA, LLC. The credit card provisions that have been identified as unfair, deceptive, and anticompetitive are not only sending American families further into debt, but standing in the way of economic recovery. The economic downturn and financial crisis have accelerated the adverse impacts of these practices on consumers, small businesses and our economy as a whole. CSA LLCs new suite of product offerings seeks to combat these financial institutions wrongdoings and give America back to the consumers. This is our country and we are not willing to give it up to the banksters.

Already known as a stalwart in mortgage securitization, this new suite of products will further enhance CSA LLCs position in the debt collection space and assist the millions of US consumers who are saddled with unsurmounting credit card, retail installment and student loan debt. It will only take 1analysis from CSAs new product offering suite to put homeowners and those in debt on the correct path to reclaiming their homes and protecting themselves against the wrongful foreclosure and debt collection practices of the financial institutions.

*Source: “The Survey of Consumer Payment Choice,” Federal Reserve Bank of Boston, January 2010

**Calculated by dividing the total revolving debt in the U.S. ($ 801.0 billion as of December 2011 data, as listed in the Federal Reserve’s February 2012 report on consumer credit) by the estimated number of households carrying credit card debt (50.2 million)

About CSA, LLC:

Founded in 2010, CSA, LLC is the leading resource for consumers in debt. Our audits and analysis empower consumers and/or their legal advisors with effective and actionable strategies to defend against wrongful, and in many cases illegal debt collection. Our audits and analysis cover Commercial and Residential Real Estate Loans, Credit Cards, Retail Installment (Auto Loans and Student Loan) Agreements. For more information and a free debt analysis and evaluation of your current situation, please see http://www.1analysis.com or contact CSA, LLC at sales(at)1analysis(dot)com or call 1-888-715-0060.







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