<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"><url><loc>https://www.thecreditbubble.com/p/downside-and-recovery-what-the-collateral</loc><news:news><news:publication><news:name>The Credit Bubble with Derek Brunelle</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-09-29T21:12:29+00:00</news:publication_date><news:title>Downside and Recovery: What the Collateral Is, Where It Sits, and How Easily It Converts to Cash to Repay the Loan</news:title></news:news></url><url><loc>https://www.thecreditbubble.com/p/claim-priority-where-the-new-loan</loc><news:news><news:publication><news:name>The Credit Bubble with Derek Brunelle</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-09-29T16:24:49+00:00</news:publication_date><news:title>Claim Priority: Where the New Loan Ranks, Which Entities Hold the Assets, and Where They Sit</news:title></news:news></url><url><loc>https://www.thecreditbubble.com/p/sources-of-repayment-operating-cash</loc><news:news><news:publication><news:name>The Credit Bubble with Derek Brunelle</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-09-29T00:11:58+00:00</news:publication_date><news:title>Sources of Repayment: Operating Cash Flow, Refinancing, and Asset Sales or Owner Support </news:title></news:news></url><url><loc>https://www.thecreditbubble.com/p/the-repayment-layer-sources-of-repayment</loc><news:news><news:publication><news:name>The Credit Bubble with Derek Brunelle</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-09-28T23:44:52+00:00</news:publication_date><news:title>The Repayment Layer: Sources of Repayment, Claim Priority and Refinancing</news:title></news:news></url><url><loc>https://www.thecreditbubble.com/p/the-cash-consuming-borrower-how-a</loc><news:news><news:publication><news:name>The Credit Bubble with Derek Brunelle</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-09-28T23:40:09+00:00</news:publication_date><news:title>The Cash-Consuming Borrower: How a Lender Underwrites a Business That Is Not Yet Profitable</news:title></news:news></url><url><loc>https://www.thecreditbubble.com/p/financial-policy-how-management-uses</loc><news:news><news:publication><news:name>The Credit Bubble with Derek Brunelle</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-09-28T17:40:48+00:00</news:publication_date><news:title>Financial Policy: How Management Uses Cash When It Has a Choice</news:title></news:news></url><url><loc>https://www.thecreditbubble.com/p/capital-intensity-maintenance-spending</loc><news:news><news:publication><news:name>The Credit Bubble with Derek Brunelle</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-09-28T16:48:33+00:00</news:publication_date><news:title>Capital Intensity: Maintenance Spending, Growth Spending, and What Is Left</news:title></news:news></url></urlset>