Selection Criteria: Senior Debt Lender Comparative Analysis

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December 07, 2017

by a searcher from North Carolina State University in Charlotte, NC, USA

I'd like to start reaching out to senior debt lenders and would like to narrow my focus. 

I'd like to know if anyone would be willing to share any comparative analysis models that have been put together illustrating a side by side comparison of senior debt lender terms and requirements. Here are some examples of the selection criteria that I was planning on using to make an informed decision. 

  1. 1. Loan Type: Cash Flow vs. Asset Based Loans
  2. 2. Maximum Loan Amount
  3. 3. Loan To Value
  4. 4. Covenant Ratio Requirements
  5. 5. Repayment Schedule Flexibility
  6. 6. Personal Guarantee Requirements
  7. 7. Rates & Fees
  8. 8. Subordinate Loan contribution entitlements
  9. 9. Collateral Requirements

I'd be happy to see any models that have been put together even if they do cover all of the terms above. I'd also be happy to expand the model as needed and share with the group when complete. Appreciate anyone's help here.

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Reply by a searcher
from University of Toledo in Shaker Heights, OH, USA
Very good post Brian. I have data, but it is contained to bank dry power, lending history, etc.. The items you have selected for comparison are variable by deal mostly, so I'm interested where this post goes. Thanks.
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Reply by a searcher
from North Carolina State University in Charlotte, NC, USA
Update: Outside of this thread, I was referred to Brad Hettich, with Commercial Lending X, who has access to over 200 lenders. Feel free to reach out to him for any debt servicing questions or representation.
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