Common Collateral Scope
- High-SKU inventory segmentation and cycle-count discipline
- Channel-level sales and dilution trend analysis
- Cash conversion and payables pressure indicators
- Borrowing base eligibility and ineligibles validation
Industry Expertise
Distribution and Wholesale
Distribution businesses often operate with broad SKU catalogs and rapid inventory movement across channels. We evaluate collateral controls, receivable reliability, and reporting consistency supporting lender visibility.
Typical review themes
Inventory reconciliationReceivable agingChannel concentrationWorking capital visibility
Key focus areas
- Collateral controls across large SKU inventories
- Customer and channel concentration risk
- Cash conversion pressure across operating cycles
Review Priorities
- Test inventory flow from receipt through fulfillment across warehouses
- Validate reserve assumptions for damaged, slow-moving, or channel-specific inventory
- Review AR aging stability by customer class and sales channel
- Confirm reporting consistency across ERP, warehouse, and lender schedules
Typical Engagement Triggers
Moments when sector-specific visibility matters most.
These are the situations where lenders often need cleaner collateral confidence and tighter reporting context.
Rapid SKU expansion following product line growth
Shift in sales mix across direct and partner channels
Increased aged inventory or slower turnover velocity
Lender request for deeper borrowing base support