Loan Collateral Advisor Simplifies the Borrowing Process with Confidence

A loan collateral advisor can make a huge difference in the borrowing process. They help ensure that the collateral you offer is sufficient to secure the loan.

By evaluating your assets and financial situation, a loan collateral advisor can provide a clear picture of what you can put up as collateral. This helps you avoid any last-minute surprises or rejections.

A loan collateral advisor can also help you choose the right type of collateral for your loan, whether it's a mortgage, car loan, or personal loan. They consider factors such as market value, liquidity, and risk.

With their guidance, you can borrow with confidence, knowing that your collateral is sufficient and properly secured.

A Pledged Asset Line is a type of non-purpose line of credit that allows you to borrow against the non-retirement assets in your portfolio without having to liquidate your investments.

You can use your Pledged Asset Line to access funds for various financial needs, such as bridging funding for a new home, paying for college tuition, or even taking a dream vacation.

This line of credit is secured by assets held in a separate Pledged Account maintained by Charles Schwab & Co., Inc.

A Pledged Asset Line is a flexible financial tool that can be used for a wide range of purposes, from home renovations to new business startups.

Here are some examples of how you can use a Pledged Asset Line:

This type of line of credit can be a valuable resource for managing your finances and maintaining your investing strategy.

As a lender, you want to ensure that your lending decisions are confident and informed. Cherry Bekaert's Collateral Review team can guide you forward with detailed examinations that consider the bank, underwriter, and borrower.

Their team consists of former bank lending executives and experienced asset-based lending (ABL) examiners who conduct thorough reviews. Pre-closing Loan Due Diligence and Recurring Field Examinations are just two of the services they offer.

You can close deals with confidence, knowing the borrower's collateral position and capabilities meet bank reporting requirements. This is especially important for industries like manufacturing and distribution, government contracting, healthcare, transportation, and logistics, and service-based businesses.

The Collateral Review team provides a variety of collateral review services across these industries. They also conduct System Evaluations, Collateral Monitoring – Accounts Receivable, Inventory, Equipment & Real Estate, and Fraud & Forensic Examinations.

Here are some of the services they offer:

As a loan collateral advisor, our comprehensive review services can help lenders identify areas for improvement in their lending activities. We can analyze your workpapers to devise a detailed examination report.

This report will provide fact-based recommendations for changes you can make to improve your loan structure, which is critical for minimizing risk and maximizing returns. A well-structured loan can make all the difference in the success of your lending activities.

Our comprehensive review services also cover reporting requirements, ensuring that you're meeting all necessary regulations and guidelines. This can help you avoid costly fines and reputational damage.

Collateral availability is another key area we'll review, helping you identify opportunities to improve your collateral management and reduce risk. By optimizing your collateral, you can reduce the risk of default and improve your overall lending performance.

We'll also examine your rates of advance, providing recommendations for optimizing your lending terms to maximize returns while minimizing risk. By fine-tuning your rates, you can improve your bottom line and stay ahead of the competition.

Here are some areas we'll review as part of our comprehensive review services:

You can use our Advance Rate Lookup tool to check if a particular security symbol is eligible for your Pledged Asset Line.

To get started, simply enter up to 10 security symbols in a single search. This will give you a clear idea of which securities can be used as collateral for your loan.

The Advance Rate Lookup tool is a helpful resource that can save you time and effort in determining eligibility.