Collateral, Cash Flow & Recovery Value- Saint John, NB
About this Event
Event Summary
Commercial lending and business advisory files often rely on machinery, equipment, and asset values — but the meaning of “value” can change dramatically depending on whether a business is operating, being sold, refinancing, liquidating, or closing.
This practical briefing is designed for commercial lenders, credit union lenders, CBDC/BDC professionals, accountants, lawyers, business brokers, insolvency professionals, and other advisors who work with privately held businesses.
Participants will learn how to recognize common collateral-value risks, understand the difference between key appraisal value definitions, and identify when an independent appraisal can help protect a financing or advisory file.
Main Description
In many small business financing and transition files, equipment value is treated as though it is easy to know.
A borrower provides a list.
A seller assigns values.
A buyer assumes the equipment supports the loan.
A lender needs to understand what the collateral may really be worth.
But equipment value depends on context.
Is the business operating or closed?
Is the equipment installed or movable?
Is there a real secondary market?
Is the value being used for financing, acquisition, refinancing, workout, liquidation, or goodwill separation?
Outside guarantors such as government agencies may have specific rules or definitions that must be adhered to.
This briefing will give lenders and advisors a practical framework for understanding machinery and equipment value before a file becomes difficult.
The session will include real-world case examples involving missing assets, fast liquidation, franchise resales, specialized equipment, inflation, historical appraisals, and the difference between business value and equipment value.
This is a professional development session, not a technical appraisal course. It is intended to help lenders and advisors ask better questions, recognize warning signs earlier, and understand when an independent appraisal may be useful.
Who Should Attend
This session is intended for professionals who advise, finance, or support privately held businesses, including:
Commercial bankers
Credit union lenders
Accountants
Lawyers
Business brokers
Insolvency and restructuring professionals
Economic development professionals
Other business advisors involved in financing, acquisition, succession, or transition files
Learning Objectives
By the end of this session, participants should be able to:
Recognize when machinery and equipment value may matter in a commercial lending, refinancing, business acquisition, or transition file.
Distinguish between Fair Market Value, Fair Market Value in Continued Use, Orderly Liquidation Value, Forced Liquidation Value, and Liquidation Value in Place.
Identify situations where book values, borrower-prepared equipment lists, seller-provided values, or informal estimates may mislead a credit or advisory decision.
Understand when a desktop appraisal, remote appraisal, or site-visit appraisal may be appropriate.
Recognize referral triggers indicating when an independent appraiser should be consulted before a file becomes difficult.
Topics Covered
Equipment value in commercial lending and business transfer files
Collateral value versus business value and goodwill
Common appraisal value definitions used by lenders and advisors
Asset verification and incomplete equipment lists
Borrower-prepared and seller-provided values
Specialized, installed, and hard-to-move equipment
Liquidation timing and recovery value considerations
Desktop, remote, and site-visit appraisal formats
Real-world case examples from small business financing and transition files
When to call an appraiser before the file becomes difficult
What Participants Receive
Certificate of completion
Value-definition cheat sheet
“Reasons to Call ALP” referral guide
Reference materials for future use and to share with clients
Invitation to a 20-minute follow-up call for questions or file-fit discussion
Continuing Professional Development Note
This session is designed as a practical professional development briefing. A certificate of completion will be provided to attendees. Eligibility for CPE, CPD, CLE, or internal training credit is determined by each participant’s professional body, employer, regulator, or association.
Advantage Liquidity Partners Ltd. does not guarantee that this session will be accepted for credit by any specific organization.
Estimated professional development time: [1.5 hours / 90 minutes]
About the Presenter
is the founder of Advantage Liquidity Partners Ltd., based in the Maritimes. He has worked with small business buyers, sellers, lenders, and advisors for almost 20 years and has completed over 1,000 small business appraisal assignments and more than 650 machinery and equipment appraisal assignments.
David is certified in machinery and equipment appraisal and provides valuation services across Canada and the United States. His work includes machinery and equipment appraisals, small business appraisal reports, business acquisition advisory, goodwill separation, and valuation support for lenders, buyers, sellers, and professional advisors. He is the author of 10 books available on Amazon covering small business deal making topics.
About Advantage Liquidity Partners Ltd.
Advantage Liquidity Partners Ltd. provides practical valuation and appraisal services for privately held businesses, business buyers, business sellers, lenders, lawyers, accountants, and advisors.
ALP’s valuation work includes Certified Machinery and Equipment Appraisals, Most Probable Selling Price reports for small businesses, and advisory work involving business acquisitions, asset values, goodwill, and financing support.
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Agenda
🕑: 11:30 AM - 11:45 AM
Registration and Introductions/ Lunch Served
🕑: 11:45 AM - 01:00 PM
Valuation, Collateral & Recovery Briefing
🕑: 01:00 PM - 01:15 PM
Q&A deep dives & Networking
Where is it happening?
Event Location & Nearby Stays:
CAD 67.85
