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An equipment sale can stall when the buyer asks for financing after the commercial terms are nearly settled. Manufacturers and distributors can reduce this uncertainty by defining the financing process earlier. For an Israeli supplier selling into the United States, responsibilities across the sales and finance teams need to be especially clear. ELFA identifies customer financing as a commercial option for equipment vendors and highlights the strategic, legal, financial and operational...

For a seasonal distributor, the strongest sales period may arrive after the hardest cash period. Inventory deposits, freight and warehouse preparation can fall due months before customer collections. Financing planning should begin with the supplier calendar. Bank of America describes a revolving credit line as one possible way to fund inventory ahead of a seasonal sales increase. Whether it fits a particular business depends on the amount, timing and repayment pattern involved. Work backward...

A field examination can be an important part of an asset based lending process. It gives the lender a closer view of the records and controls supporting the assets offered as collateral. Preparing the team before the review can reduce avoidable confusion. The OCC's ABL handbook describes field audits as part of due diligence and ongoing monitoring. Scope varies by facility. A field exam should not be treated as a substitute for a financial statement audit or as a guarantee of loan approval....