
Quality of Earnings Certification
Unveiling financial clarity for confident decisions.
ABLC’s quality of earnings certification delivers comprehensive financial analysis, equipping lenders with the critical insights needed to make secure, data-driven lending decisions. From profitability assessments to breakeven analysis and market value evaluations, our process ensures a clear, accurate understanding of a borrower’s financial health.
Core Components of Our Quality of Earnings Certification

EBITDA Certification
We evaluate Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) to determine core profitability, offering lenders a clear understanding of a borrower’s cash flow and capacity to service debt.

Breakeven Sales Analysis
Our analysis calculates the sales volume required to cover costs, providing insights into the borrower’s operational sustainability and potential risks.

Comparative Profit & Loss Statements (FYE Basis)
We analyze year-end profit and loss statements to identify financial trends, assess overall health, and empower lenders with data-driven insights for confident 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.
Precision in Financial Assessment
With ABLC’s Quality of Earnings Certification, lenders gain verified, in-depth financial analysis, enabling them to mitigate risk, strengthen lending strategies, and ensure portfolio security.