Barker

Why Are Investors Flocking to Asset-Based Lending? 💼💡 Over the past 2 years, inflation and high interest rates have been stubborn with nearly half of Global GPs reporting higher borrowing costs and a cut in portfolio margins in 2024 as a result. While bank debt is still a go-to, more GPs are turning to asset-based lending (ABL) as an alternative—48% are now considering it. Why? Because ABL lets asset-rich borrowers unlock their assets’ value, freeing up working capital to fuel growth. Why ABL is Winning Over Investors: • Lower Costs: ABL can offer more affordable financing with greater leverage. • Flexibility: It gives borrowers the confidence to navigate unpredictable markets. • Mutually Beneficial: Combine ABL with traditional lending for a stable, cost-effective solution. • Better Underwriting: Tech advancements are streamlining processes for investors. • Higher Returns: Access to unique assets that aren’t in every investor’s portfolio. As banks pull back, ABL is stepping up, offering a smart, flexible way for investors to keep capital flowing. #AssetBasedLending #InvestorInsights #ABL #PrivateMarkets #AlternativeFinancing #FinancialStrategy #InvestingInGrowth

Excited for this one! 🤝 https://lnkd.in/eFChUaep

Seeing the same trend on our end Drew Watson !

Unlocking Efficiency: AI’s Role in Modern Risk Management 🤖💼 A round of applause for Norm Ai raising a cool $27M in their Series A! 🥳 They’re transforming how we tackle federal regulations with groundbreaking autonomous compliance analysis. AI isn’t just hype; it’s a risk management revolution! By analyzing mountains of data and predicting pitfalls, AI helps organizations stay ahead of the curve. 📈. For lenders, AI helps to assess risk with eagle-eyed precision and speed up approvals. Say goodbye to human errors and biases, and hello to insights that lead to tailor-made offerings and a keen eye on emerging trends, especially in underwriting. The top AI game-changers in risk management include: • Predictive Analytics: Spotting market swings and operational snafus before they happen. • Automated Assessments: Streamlining risk identification, prioritizing potential impacts. • Real-Time Monitoring: Instant insights for cybersecurity and fraud prevention. • Scenario Stress Testing: Simulating worst-case scenarios to bolster resilience. • Supply Chain Savvy: Navigating disruptions and dissecting contracts for hidden risks. The future of risk management is here, and it’s smarter, faster, and more efficient than ever. #AIinRiskManagement #RiskRevolution #NormAI #AICompliance #FutureOfFinance #RiskMitigation #BusinessResilience #AIInnovation

How Asset-Based Lenders Keep the Risky Business in Check 🚀 Asset-based lending (ABL) is like the Swiss Army knife of business financing—versatile and handy. By leveraging everything from accounts receivable to your luxury watch collection, ABL offers a smart way to unlock cash. But how do lenders manage all that glittery risk? Let's dive into their playbook: 1. Thorough Asset Evaluation Lenders aren't just looking at numbers; they're calling in the pros to appraise your assets. From art to private jets, they want to know what they're dealing with—right down to the brushstrokes. 🎨 🛩 2. Collateral Management Keeping tabs on volatile assets is a must. Regular check-ins and market analysis ensure your prized Picasso doesn't become just another pretty picture. 3. Specialized Expertise It takes a village—or at least a few experts. Lenders bring in niche pros to navigate the quirks of non-bankable assets, ensuring they don't get stuck with an overvalued antique vase. 4. Legal and Documentation Checks No shady business here. Clear ownership and a clean paper trail are non-negotiables. It's all about covering legal bases to avoid any “oops” moments. 5. Risk Diversification No all-eggs-in-one-basket strategy here. Lenders mix traditional and luxury assets to spread the risk and dodge sector-specific pitfalls. 6. Covenants and Controls Got a private jet? Expect maintenance covenants. Own art? Display conditions are a thing. These rules help lenders sleep at night, knowing they can step in if things get shaky. 7. Insurance and Protection Insurance isn't just a nice-to-have; it's a must. Whether it's aviation insurance for your jet or coverage for that diamond necklace 💎 , lenders make sure your assets are protected from life's curveballs. By blending solid evaluation with sharp risk mitigation, ABL lets businesses tap into cash without losing sleep. And hey, it keeps lenders happy too—win-win! #AssetBasedLending #RiskManagement #SmartFinancing #ABLTips #BusinessLoans #LuxuryAssets #ArtLending #FinancialStrategy

Why do people borrow against their assets? Sometimes debt makes sense... Strategic leverage can be a savvy tool for anyone looking to meet financial goals or brace for life's curveballs. Like investment opportunities or those unexpected vet bills that hit harder than a cat meme on a Monday morning. 🐱 Borrowing against assets, like your home, jewelry or art, is more achievable than you might think and can get you quick cash without having to sell anything. Pick an asset that's solid, and the growth might even cover the loan's interest—talk about a win-win! 💸 Here's the scoop on why it's a good move: Temporary Liquidity: Get cash faster than you can say "asset backed lending” Portfolio Diversification: Because putting all your eggs in one basket is for Easter. Enhanced Returns: Use the borrowed funds to invest in higher-yield opportunities. Retain Ownership: Keep your asset while unlocking its value. Tax Advantages: Potentially save on taxes—because who doesn't love that? So, next time you're in need of capital, remember: sometimes a little leverage can go a long way! 💼💪 #assetbasedlending #alternativelending #financialplanning

DATA EMERGENCY! LENDERS AND BORROWERS WE NEED YOUR HELP! Please follow a link to our (short) questionnaire for lenders and borrowers for asset-backed lending. We've gathered quite a bit of data for our upcoming Lender Report, but we need your help to make sure we're capturing as much data as we can. https://lnkd.in/gnefWb_G

We help lenders make more money... At Barker we have one, simple product that can be applied in many, useful ways for our lender clients. We assign a value to hard-to-price physical assets - watches, art, diamonds, private jets, collector cars etc. We 'warranty' that value, so if we're wrong we, and our insurers, pay the difference. Our product is being used for: - loan book risk transfer - capital relief - capital requirements - increased LTV Our clients can use our 'price warranty' for whatever purpose suits their varied needs! At the end of the day, our product helps them make more money. #artificialintelligence #innovation #assetbasedlending #banks #lending

Interesting insight from CNBC into why we’re seeing such a strong adoption rate for our product in alts. TLDR - alt asset investment is growing fast, with solid double digit returns and the $4T market is expected to triple in the next decade. Barker - protecting your downside in alt assets. https://lnkd.in/eXRAfAc2

Great to see Adriano Picinati di Torcello! Thank you for all your support for Barker. We couldn't agree more - alt asset lending continues to grow with strength and our innovative product is here to help underwrite it.