Asset-based and equipment finance
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left-white-arrow Explore Crisil, a company of S&P Global

Formerly known as Global Research & Risk Solutions

For asset-based and equipment lenders, credit risk can shift rapidly with delays in receivables, inventory levels fluctuate and equipment values change. Maintaining lending discipline therefore requires more than evaluating borrower repayment capacity. It requires timely visibility into borrowing-base availability, collateral coverage, asset quality and emerging signs of deterioration.

Crisil Integral IQ supports asset-based, equipment and other collateral-intensive lending across underwriting, financing agreement structures, borrowing-base analysis, collateral assessment, financial analysis and ongoing monitoring, helping lenders strengthen credit decisions, manage portfolio risk and scale specialist analytical capacity.

10+

Global and regional banks supported across asset-based and equipment finance

1,000+

Asset-based and equipment finance credits supported annually

3,000+

Borrowing-base and collateral assessments supported annually

Our solution components

 

 

We assess borrower credit quality alongside collateral adequacy, availability and liquidity to evaluate repayment capacity and optimise financing structures.

We support recurring credit reviews by reassessing borrower and guarantor performance, collateral coverage, liens on assets, covenant compliance and emerging portfolio risks.

We analyse point-in-time borrowing base, eligibility criteria and collateral availability to assess lending capacity and identify changes in collateral coverage over time.

We assess borrower cash flows, equipment values, financing structures and repayment profiles to support credit decisions across equipment-backed transactions.

We monitor receivables, inventory, equipment and other collateral to identify valuation changes, concentration risks, covenant compliance and potential deterioration in lender protection.

 

 

The problems we solve

Managing complex borrowing-base assessment processes

Overview

We provide specialist analytical capacity to review collateral eligibility, availability and borrowing-base fluctuations while improving consistency and turnaround times.
 

Scaling capacity during peak review cycles

Case Studies

We provide flexible support for borrowing-base redeterminations and analysis, periodic reviews and portfolio monitoring without requiring additional permanent resources.

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Connecting credit and collateral risk

Overview

We combine borrower credit assessment with collateral analysis to provide a more comprehensive view of repayment capacity and downside protection across secured lending portfolios.

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

 

 

Recognitions

The confidence we deliver is felt across boardrooms, markets, and industries.

 

 

#37 in Chartis RiskTech 100 | 2025

Chartis RiskTech 100 Model Validation | 2025

#49 in Chartis RiskTech 100 | 2024

Chartis RiskTech 100 Model Validation | 2024

Best Companies for women India | 2024

 

 

 

Read more on our recognitions