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ABL Field Exam Services

Independent Field Exams That Strengthen Credit Confidence

Y&A Credit Services conducts independent asset-based lending (ABL) field exams that give lenders a clear, objective view of collateral strength. Our examiners verify collateral valuation accuracy, uncover fraud risks and deliver timely insights that support confident, compliant lending.

Our experienced ABL field examiners help lenders maintain transparency, reduce exposure and build lasting confidence in every transaction.

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Why ABL Field Exams Matter

A well-executed field exam is the cornerstone of prudent asset-based lending. It gives lenders a clear view of borrower-reported assets — including accounts receivable and inventory — ensuring advance rates and borrowing bases reflect true collateral values.

Independent risk assurance

Receive objective validation of borrower-reported receivables, inventory and collateral.

Fraud detection & prevention

Identify borrower fraud, misreporting and operational weaknesses early.

Regulatory confidence

Satisfy examiner expectations with clear, well-documented field exam reports.

Portfolio scalability

Expand ABL portfolios and manage borrower monitoring efficiently without straining internal resources.

What Our ABL Field Exams Include

Each Y&A Credit Services field exam aligns with your credit policy, loan agreement and risk profile.

We evaluate:

	Receivables: Verify existence, eligibility and aging; test for dilution, turnover and concentrations.
	Inventory: Assess valuation, turnover, obsolescence and physical controls.
	Payables and liabilities: Confirm balances, reconcile with collateral reports and flag potential issues.
	Borrower controls: Review accounting systems, documentation and fraud prevention processes.

Our reports deliver clear, actionable recommendations to guide decisions such as adjusting advance rates, modifying borrowing base eligibility, triggering covenant actions or re-underwriting loans.

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Trusted ABL Field Examiners

Industry expertise

Our examiners specialize in accounts receivable and inventory testing across manufacturing, distribution and service sectors.
Independent assurance

We deliver objective analysis that builds credibility with regulators and credit committees.
Efficiency & cost control

A pay-per-exam model aligns cost with volume and complexity, eliminating the need for full-time ABL exam staff.
Proven quality

Standardized reporting, consistent methodology and regulatory alignment with OCC and FDIC expectations.
Nationwide coverage

Rapid response and scalability for multi-location borrowers.