easy · Corporate Credit Analysis

In Asset-Based Lending (ABL), how is the 'borrowing base' conceptually different from a simple LTV on the total asset book value?

  1. The borrowing base applies specific 'advance rates' only to eligible, liquid assets like receivables and inventory.
  2. The borrowing base is always calculated using the 'going-concern' EBITDA multiple.
  3. The borrowing base includes 'soft' assets like goodwill at their full book value.
  4. The borrowing base is a fixed amount that never changes over the life of the loan.

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