Press Release|ABS

KBRA Places Two Blue Bridge Funding 2023-1 LLC Ratings on Watch Downgrade

19 Dec 2025   |   New York

Contacts

KBRA has placed the ratings on the Class C Notes and Class D Notes of Blue Bridge Funding 2023-1 LLC, an equipment ABS transaction, on Watch Downgrade owing to increased cumulative gross and net losses, primarily related to the transactions exposure to the transportation industry. The overcollateralization also decreased to 1.76% of the pool balance as of the November 2025 payment date report from 6.70% at closing.

The table below displays the current capital structure. To date, the securities have received timely interest payments.

At Closing Current At Closing Current At Closing From To Action A $102,456 $25,281 24.7% 7.37% 24.4% 50.6% A (sf) A (sf) - - B $8,827 $8,827 100.0% 9.48% 17.8% 32.4% BBB (sf) BBB (sf) - - C $9,897 $9,897 100.0% 9.50% 10.4% 12.0% BB (sf) BB (sf) BB (sf)/Watch Downgrade - D $3,611 $3,611 100.0% 15.00% 7.7% 4.5% B (sf) B (sf) B (sf)/Watch Downgrade - Total $124,791 $47,616 38.2% Blue Bridge Funding 2023-1 KBRA Ratings Note Rate Hard Credit Enhancement Class Balance ($000s) Note Factor

Blue Bridge Financial Inc. (Blue Bridge or the Company) is an independent finance company providing small and medium-sized businesses with secured loans and leases for revenue-producing, essential-use equipment. The Company was founded in 2009, based in Reston, VA and has approximately 35 employees.

KBRA will continue to monitor the performance of the transactions and will seek to resolve or update the Watch Placements within 90 days.

To access ratings and relevant documents, click here.

Methodologies

Disclosures

A description of all substantially material sources that were used to prepare the credit rating and information on the methodology(ies) (inclusive of any material models and sensitivity analyses of the relevant key rating assumptions, as applicable) used in determining the credit rating is available in the Information Disclosure Form(s) located here.

Information on the meaning of each rating category can be located here.

Further disclosures relating to this rating action are available in the Information Disclosure Form(s) referenced above. Additional information regarding KBRA policies, methodologies, rating scales and disclosures are available at www.kbra.com.

About KBRA

Kroll Bond Rating Agency, LLC (KBRA), one of the major credit rating agencies (CRA), is a full-service CRA registered with the U.S. Securities and Exchange Commission as an NRSRO. Kroll Bond Rating Agency Europe Limited is registered as a CRA with the European Securities and Markets Authority. Kroll Bond Rating Agency UK Limited is registered as a CRA with the UK Financial Conduct Authority. In addition, KBRA is designated as a Designated Rating Organization (DRO) by the Ontario Securities Commission for issuers of asset-backed securities to file a short form prospectus or shelf prospectus. KBRA is also recognized as a Qualified Rating Agency by Taiwan’s Financial Supervisory Commission and is recognized by the National Association of Insurance Commissioners as a Credit Rating Provider (CRP) in the U.S.

Doc ID: 1012873

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