Traditional ABL Due Diligence
BY&S is a trusted provider of comprehensive due diligence and examination services for commercial banks and finance companies. Some of our services include survey, pre-funding, and Recurring Examinations, Collateral Verifications, and Special Scope Services, all of which can be tailored to conform to your specific needs.
Survey Examinations
BY&S calculates availability and provides a comprehensive analysis of your prospective customer’s collateral. Using a critical eye, our team of experienced examiners gathers data, assesses risk, identifies collateral impairments, analyzes trends, and investigates anomalies. Our goal is to provide you with the tools, analysis, and recommendations to make the best-informed credit decisions.
Pre-Funding Examinations
BY&S conducts Pre-Funding examinations, leveraging data from the Survey exam to provide clients with the latest information, enabling them to make well–informed credit decisions when closing new deals.
Recurring Examinations
BY&S performs recurring examinations on a quarterly, semi-annual, or annual basis that conforms to the needs of our clients. We assess the collateral and timely communicate concerns and recommendations. Our communication before, during, and after fieldwork is paramount so you can be informed of credit concerns as they arise. By communicating findings during fieldwork, we can often act as a liaison between the lender and borrower to facilitate communications or address concerns. Our end–product is a thorough and detailed report that includes insights, trends and analysis that can help you make informed decisions.
Collateral Verifications
BY&S performs collateral verifications for clients which include the verifications of accounts receivable via phone, email or customer portal, review of borrowing base calculations, on-site inventory test counts, and on-site inspections of real estate, machinery and equipment, or other collateral. We have examiners located throughout the United States, which can help save travel and expenses for on-site inventory test counts or inspections.
Why Choose BY&S?
Breslin, Young & Slaughter, LLC is the premier organization for ABL Due Diligence, with a depth and breadth of experience to meet your needs. We take pride in staying informed of the latest industry trends, technologies and best practices, as well as any other areas that might impact the Traditional ABL industry. Our management team shares over 75 years of combined Traditional ABL experience.
The BY&S Traditional Exam team has a wide range of industry experience including, but not limited to:
- Apparel and Textiles
- Consumer and Retail
- Construction
- Distribution
- Energy, Oil, and Gas
- Food and Beverage
- Government Contracting
- Insurance Premium Finance
- Manufacturing
- Service Industries
- Staffing
- Steel and Metals
- Transportation and Trucking
At BY&S, we recognize that clear, timely communication is essential to a successful field examination. Throughout the process, we prioritize proactive engagement with our clients, ensuring that any findings, concerns, or recommendations related to collateral assessment are communicated without delay. This enables our clients to stay fully informed and respond quickly to emerging credit issues.
During each examination, we work closely with both lenders and borrowers to facilitate open dialogue and address any questions or concerns in real time. Our goal is not just to deliver a comprehensive collateral report, but to act as a trusted extension of your team, supporting informed decision-making every step of the way.
The Traditional ABL group is led by Anthony Hope, Jennifer Reid, and Randy Laughner.