medium · Asset-Backed Securities

A healthcare receivables facility uses a dynamic advance rate.

If 'Eligible Net Receivables' are $100 million and the advance rate is 80%, but the net collection ratio falls from 95% to 85%, what is the impact on the residual holder's monthly cash flow?

  1. The residual holder's cash flow is reduced because the excess of collections over the advance has narrowed.
  2. The advance rate automatically increases to 90 percent to compensate for the lower collection volume.
  3. The residual holder receives a compensating true-up payment from the trustee to preserve the 20 percent margin.
  4. There is no impact whatsoever on the residual holder, as the facility size is fixed permanently at 80 million dollars.

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