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Reshaping the Balance: How Asset-Based Lending Structures Are Evolving for Flexibility and Risk Control
Asset-based lending (ABL) has long been a reliable solution for borrowers seeking working capital without relying solely on cash flow. Built around collateral value, ABL offers lenders security and borrowers access to liquidity. But as economic conditions shift, risk tolerance tightens, and borrower needs evolve, the ABL model is undergoing a notable transformation. Today’s lenders are rethinking traditional structures—not to take on more risk, but to manage it more precisel
James Cretella
2 days ago4 min read
Early Recognition and Its Lasting Impact, Lessons from an SFNet 40 Under 40 Honoree
Early recognition can shape a career in ways that last for decades. Being named an SFNet 40 Under 40 honoree did more than mark a moment of success. It set a foundation for how client service and leadership would be approached over the long term. This experience created clear standards, stronger discipline , and a deeper sense of responsibility. It also reinforced the importance of trust, learning, and service at every stage of growth. Understanding the Weight of the SFNet 40
James Cretella
Jan 93 min read
Bridging the Credit Divide: How Specialty Finance Is Redefining Middle Market Lending
Middle-market companies face a unique financial challenge: they are too large for small-business lending programs yet too small or complex for traditional large-scale banking services . This credit divide has long hindered their ability to access the capital required for growth, innovation, or restructuring. As banks have become more risk-averse and subject to greater regulatory oversight, the funding gap for these firms has only widened. Enter specialty finance—a sector of n
James Cretella
Dec 22, 20253 min read


James Cretella offers lenders creative structuring options that streamline successful deal closings
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James Cretella
Dec 11, 20251 min read
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