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Loan sales, warehouse facilities, asset-backed securities, guarantees and the distribution of lending cash flows and losses.
A hypothetical $8.8 million month shows how an ABS waterfall pays costs and investors, and how higher losses can cut off the residual holder’s cash.
Affirm’s dated forward-flow agreements show why a purchase commitment differs from loan volume. Sale proceeds, servicing fees and retained obligations also measure different things.
A partner can promise to cover loan losses while the lender still faces a cash shortfall. FinWise’s dated disclosures and a hypothetical example explain the difference.
Two hypothetical examples show how collateral limits and slower loan sales can reduce available warehouse funding, even when a facility’s headline commitment is unchanged.
Auto-loan securitization turns borrowers’ installments into securities with different payment priorities. The process broadens funding but leaves important questions about loss protection, servicing, prepayments and the comparability of loan pools.
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