This is much more advantageous for borrowers who can use ABL facilities to finance seasonal working capital changes without tripping through typical cash flow financial arrangements, and it can even allow these borrowers to make opportunistic acquisitions during these periods. As long as a borrower has sufficient core credit assets to cover the exposure of ABL financiers, they have access to debt in times of low cash flow. This is particularly relevant for COVID-19, as patrimonial borrowers have access to working capital as long as the expected value is maintained. The borrower must also provide the lender with certain information used to determine the credit base, including sales, collection and inventory data. This means that this type of financing can offer flexibility for a greater diversity of small businesses. The credit base is the total amount of collateral against which a lender lends funds to a company. . . .