SLR Business Credit secures $7 million credit for Midwest manufacturer

Axos acquires industrial equipment lender | Banking Dive: The San Diego-based challenger bank first entered the equipment lending space in 2016 with its purchase of Pacific Western Equipment Finance from ...

Credit downgrade came six (!) *days* before bankruptcy. Some market participants saw trouble a *year* earlier: First Brands, a major auto parts maker, filed for Chapter 11 this week with $11B in liabilities, one of the largest corporate failures of the year. Three days earlier, Fitch finally downgraded the company’s debt. Meanwhile, a competitor (ironically on the disqualified lender list) had already built a short position against the loans a year earlier. The liabilities list is loooong: - A patchwork of loans, factoring, and inventory-backed facilities (some off balance sheet). - Roughly $2B of that debt parked inside CLOs, now marked down to ~33 cents on the dollar. - Several private credit funds also exposed (and all of them held the loans at 93%+ of par at the end of Q2) In the opaque world of private credit, we don’t know what’s really happening until a borrower blows up (and by then, it’s too late). 👉 In my latest piece, I unpack what CLOs are, why they matter for LPs and what the First Brands collapse reveals about risk in private markets: https://lnkd.in/gYwfdt83 P.S. And yes, we'll talk about the difference between broadly syndicated loan CLOs and middle market CLOs - I know you've been dying to find out!

🚦 From roadblock to results - thanks to CBA! We recently worked with clients who were struggling to find a lender for their new owner-occupied purchase. The main challenge? Their existing car loan and credit card were impacting borrowing capacity. Initially, the only solution seemed to be using their cash savings to pay off those debts - but that would have meant reducing their purchase price significantly due to limiting their available funds to complete the transaction. ✨ The game changer: Commonwealth Bank CBA recently introduced a new policy offering huge benefits to clients with existing HECS-HELP debts: • A reduced servicing buffer if the HECS-HELP debt is due to be repaid within 5 years • And even better - the debt can be completely excluded if it’s due to be repaid within the next 12 months! For our clients, this change made all the difference. It allowed them to reach their desired purchase price without giving up their car loan or credit card - what we like to call a true win-win situation. 💫 When it comes to lending, every scenario tells a different story - and having a team who understands each lender’s policy can make all the difference. The right knowledge, the right lender, and the right strategy can turn a challenge into a smooth path to success. 🏡 Brett Cambey | Kingfisher Finance Group | Alex Gee

Ever wonder why certain borrowing base eligibility criteria surface again and again in your SPV warehouse loan facilities? During negotiation, you may hear “It’s in every deal!” Yes… but why? In this series of Legal Updates, we explore the reasoning behind the widespread inclusion of certain standard eligibility criteria in warehouse facilities. This week’s update explores why there are prohibitions on loans being used for “personal, family or household purposes.” Learn more: https://lnkd.in/gWgpXm2A #FundFinance #MayerBrown

Ever wonder why certain borrowing base eligibility criteria surface again and again in your SPV warehouse loan facilities? During negotiation, you may hear “It’s in every deal!” Yes… but why? In this series of Legal Updates, we explore the reasoning behind the widespread inclusion of certain standard eligibility criteria in warehouse facilities. This week’s update explores why there are prohibitions on loans being used for “personal, family or household purposes.” Learn more: https://lnkd.in/gHgfRPud #FundFinance #MayerBrown

Loans entered into for personal, family, or household purposes are typically excluded from warehouse facility collateral portfolios due to the additional regulatory complexities and diligence required under the Uniform Commercial Code (UCC) and state consumer laws. This update from Mayer Brown details why lenders prioritize loans that do not trigger these consumer protections, simplifying risk assessment and compliance in fund finance transactions. Linda Boss, Michael P. Gaffney, Jakarri Hamlin and Laura M. Watson | Mayer Brown https://lnkd.in/eZEznAZB #FundFinance #FundFinancing #FundFinancer Fund Finance insights straight to your email: https://lnkd.in/d3nnvVns

Drive revenue. Reduce risk. LEVERAGE partner Credit Union Loan Source (CULS) makes it easy for credit unions to boost loan-to-share ratios and diversify portfolios through prime auto loan participations. With over $13B in assets placed and a 20-year track record, CULS delivers performance, transparency, and profitability. Learn more: https://lnkd.in/gf9aZ8m7 #MyLEVERAGE

Inspired Lending backs £2.6m Shrewsbury development with broker-led facility Inspired Lending has funded the £2.6m acquisition and conversion of a former commercial property in Shrewsbury, working alongside ERG Finance to complete the complex deal.

DSCR is more than just a number—it’s the make-or-break factor in rental loans. 📊 A strong DSCR doesn’t just get you approved—it unlocks better leverage, smoother underwriting, and stronger long-term cash flow. 🧠 Smart investors learn how lenders calculate DSCR (and what counts as income) before they even make an offer. Download our Insider’s Guide to Real Estate Loans by visiting bit.ly/loansguide #DSCR #RentalLoans #RealEstateFunding #InvestorTips #SmartBorrowing #CashFlow #JMBusinessCapital

Securing a QM loan can be challenging without proper planning. Typically, a down payment of 20% to 25% is recommended, with 25% often being ideal. While 30% may occasionally be necessary, it's relatively uncommon. Even with a full documentation loan and without relying on private funds or creative financing, a 20% down payment is generally sufficient. Proper preparation can significantly ease the loan approval process. #QMLoan #DownPayment #LoanApproval #RealEstate #Financing #MortgageTips