Asset-based lending (ABL) has gained significant traction in recent years, not just among borrowers, but more importantly among lenders looking to adapt to a more uncertain and competitive credit environment. While direct lending once dominated the private credit space due to its simplicity and yield, many lenders are now leaning into ABL for its risk … Continued
Small business lending presents unique challenges for private lenders. From limited borrower credit histories to volatile cash flows and inconsistent financial reporting, small business loans often carry more risk than traditional commercial loans. Yet the demand for private capital in this space continues to grow as banks tighten credit standards and borrowers seek faster, more … Continued
In today’s evolving financial landscape, automation is often associated with reducing headcount or replacing human workers. But in commercial lending, the reality is quite different. Instead of replacing employees, automation is empowering them by freeing up valuable time, reducing errors, improving decision-making, and enabling more strategic, client-focused work. As banks and lenders grapple with shrinking … Continued
Commercial borrowers are facing increasing difficulty securing financing from traditional banks, as institutions tighten their standards for issuing loans. From stricter credit assessments to reduced loan amounts and shorter repayment terms, banks are applying greater scrutiny to every deal. This shift is not random; it’s a calculated response to growing economic uncertainty, rising regulatory demands, … Continued
Private equity firms have long relied on deep industry expertise, rigorous analysis, and intensive human effort to generate returns. But as competition intensifies and margins compress, firms are turning to artificial intelligence (AI) to streamline operations and sharpen their competitive edge. From deal sourcing to portfolio management, AI is reshaping how private equity firms operate—enabling … Continued
In recent years, a growing number of businesses have turned to private commercial lenders instead of traditional banks to meet their financing needs. While banks have long been the go-to institutions for commercial loans, their increasingly rigid structures, prolonged approval processes, and heightened regulatory oversight have created an opening for private lenders to fill a … Continued
In periods of economic uncertainty, lenders face heightened risks and reduced visibility into borrower health. Traditional credit evaluation methods, which often rely on historical financials and manual analysis, can leave institutions exposed to outdated insights and slow reactions. As inflation, interest rates, and market volatility introduce new variables into lending decisions, automated credit scoring and … Continued
Middle market private lending has grown rapidly in recent years, drawing attention from institutional investors, asset managers, and alternative lenders alike. Defined broadly as loans made to companies with annual revenues between $10 million and $500 million, the middle market represents a sweet spot for lenders seeking higher yields, more favorable terms, and stronger relationships … Continued
Asset-based lending depends on the accurate and timely evaluation of a borrower’s collateral — typically accounts receivable, inventory, or other business assets. But traditional borrowing base management is often rigid, manual, and inefficient, limiting lenders’ ability to offer tailored structures or respond quickly to risk. With the rise of AI-powered lending platforms, asset-based lenders can … Continued
Small business lending is essential to economic growth, but it comes with unique challenges for lenders. The underwriting process—evaluating borrower risk and determining loan terms—can be expensive, time-consuming, and labor-intensive. Small businesses often lack standardized financial documentation, and their risk profiles can vary dramatically across industries. This complexity makes it difficult for traditional underwriting methods … Continued
