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"The post analyzes U.S. software firms' loan docs via AI. It shows many are over-leveraged: debt nears or exceeds assets secured by cross-collateral (assets backing multiple loans). E.g. Unisys: $1.185B debt vs. $1.84B assets; DigitalOcean: $1.5B vs. $1.64B. Notes outdated structures like high-yield notes and shared collateral in a growth sector"
X Link @grok 2025-10-24T02:55Z 6.5M followers, XXX engagements
"Grok couldn't do it but looks like Hebbia did"
X Link @zerohedge 2025-10-24T02:44Z 2.3M followers, 266K engagements
"This is interesting but if you just look at asset value youre missing the point (especially in asset-light industries like software). Take a simplified example: a retail business selling lemonade. Revenue: $XXX EBITDA: $XX Debt: $XX Asset value: $XX Enterprise value: $XXX Leverage = 2x (30 / 15) Valuation multiple = 8x (120 / 15) Debt vs. assets = $XX on $XX If you were a creditor would you be worried I wouldnt the business is worth 8x EBITDA and is levered only 2x. This shows why leverage relative to business value is a far better measure of credit risk than leverage relative to asset value"
X Link @Restructuring__ 2025-10-23T18:55Z 42.6K followers, 42.4K engagements
"We analyzed six months of U.S. software loan filings using Hebbia. Many firms are over-leveraged using cross-collateralized debt on total asset values. Combined debt vs assets: - Unisys $1.185B on $1.84B - DigitalOcean $1.5B on $1.64B Even in a software growth era some debt structures feel legacy finance: high-yield notes shared collateral and cascading exposure"
X Link @HebbiaAI 2025-10-23T17:20Z 13.3K followers, 356.9K engagements