New Loan Surveys
Thorough assessments for confident lending decisions.
ABLC’s new loan surveys provide lenders with comprehensive borrower evaluations, ensuring informed, secure lending decisions. Our confidential, data-driven process delivers detailed financial insights, enabling lenders to assess creditworthiness, risk exposure, and loan viability with confidence.
We conduct loan surveys worldwide, utilizing either the lender’s work papers and software for seamless integration or our proprietary excel-based tools, accompanied by a detailed narrative report.
Our process ensures minimal disruption while maintaining strict confidentiality and continuous communication with the lender. With the flexibility to deploy one to five auditors, we accommodate engagements of varying complexity—both locally and globally.
Each survey is customized to the lender’s specifications and timeframes, ensuring all critical financial data is thoroughly analyzed and presented in a clear, actionable final report.
Key Areas of Evaluation
Accounts Receivable
Review of accounting records and systems.
Testing receivables authenticity.
Credit control procedures analysis.
Sales, dilution, and debt turnover assessment.
Identification and analysis of ineligible accounts receivable.
Concentration accounts evaluation.
Inventory
Inventory accounting system review
Detailed inventory breakdown examination
Test count and cost test analysis
Turnover calculation and ineligibility assessment
Safety and location verification
Gross profit analysis
Financial Statement Review
In-depth analysis of balance sheets, income statements, and cash flow.
Accounts Payable
System review and creditor turnover assessment.
Vendor pressure analysis.
Preferential Creditors
Examination of ledgers and tax records.
Validation of outstanding tax obligations.
Operating & Lock Box Accounts
Review of operating accounts and direct deposits.
Verification of fund flow compliance with loan agreements.
Insurance
Credit insurance policy review on receivables.
Insurance coverage analysis for inventory, buildings, and machinery.
Insights That Drive Loan Success
Partnering with ABLC for New Loan Surveys delivers key advantages:
Enhanced Risk Assessment
Our in-depth evaluations provide a clear picture of borrower financial health, helping lenders identify and mitigate risks before extending credit.
Informed Lending Decisions
By delivering detailed insights into borrower operations, liquidity, and financial stability, our surveys enable lenders to make data-driven, strategic lending choices.
Customized Reporting
We tailor our surveys to each lender’s specific needs, integrating with existing systems or leveraging ABLC’s proprietary tools to ensure seamless and efficient reporting.
Confidential & Efficient Process
We maintain strict confidentiality and open communication throughout the review, ensuring a transparent and timely reporting process.
ABLC’s New Loan Surveys equip lenders with the tools to enhance loan performance, minimize risk, and make more secure lending decisions.
Let’s Talk About Your Lending Needs
We are here to help you navigate the complexities of asset-based lending with clarity and confidence. Whether you are evaluating new opportunities or managing existing portfolios, our experts are ready to assist.