The following calculator helps estimate the available funds in an asset-based lending facility. You can modify any editable field, and the calculated values will update automatically.
For a detailed explanation of borrowing base certificates and the meaning of each field, read “How Does a Borrowing Certificate Work?“
How to use the calculator
Enter or modify the editable values. The calculator will automatically update the eligible collateral, margined amounts, available borrowing base, and available funds.
| A/R Aging Summary | |
| Total Accounts Receivable | $ |
| Less: Ineligible Accounts | |
| Accounts over 90 days | ($ ) |
| Accounts exceeding concentration limit (20%) | ($ ) |
| Total Eligible Receivables Amount | $ 1,820,000 |
| Advance Rate | % |
| Total Margined A/R Amount | $ 1,547,000 |
| Inventory Summary | |
| Total Inventory Amount | $ |
| Less: Ineligible Inventory (Obsolete, WIP, etc.) | ($ ) |
| Eligible Inventory | $ 580,000 |
| Advance Rate | % |
| Total Margined Inventory Amount | $ 348,000 |
| Borrowing Base Summary | |
| Available Borrowing Base | $ 1,895,000 |
| Current Loan Balance | ($ ) |
| Available Funds | $ 895,000 |
Note: This calculator is provided for educational purposes only. Consult a professional or your lender if you need help.
Marco Terry is the Managing Director of Commercial Capital LLC and has over two decades of experience in asset-based finance. He has worked with small and mid-sized companies across the United States, Canada, and Australia. Marco holds a Master of Science in Finance.