medium · Corporate Credit Analysis

A distributor is seeking liquidity through an Asset-Based Lending (ABL) facility. It has $100M in eligible accounts receivable (85% advance rate) and $80M in eligible inventory (60% advance rate). Calculate the borrowing base and identify the primary risk to this liquidity source in a downturn.

  1. $180M; liquidity is fixed no matter the collateral
  2. $133M; collateral values contract as operations weaken
  3. $133M; this is inherently safer than a cash-flow revolver
  4. $153M; lender advance rates typically rise during stress periods

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