{"id":17253,"date":"2022-05-14T14:19:00","date_gmt":"2022-05-14T18:19:00","guid":{"rendered":"https:\/\/www.comcapfactoring.com\/ca\/?p=17253"},"modified":"2026-05-22T14:27:08","modified_gmt":"2026-05-22T18:27:08","slug":"borrowing-base-certificate-calculator","status":"publish","type":"post","link":"https:\/\/www.comcapfactoring.com\/ca\/blog\/borrowing-base-certificate-calculator\/","title":{"rendered":"Borrowing Base Certificate Calculator"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The following calculator helps estimate the available funds in an <a href=\"https:\/\/www.comcapfactoring.com\/ca\/products\/asset-based-lending\/\">asset-based lending facility<\/a>. You can modify any editable field, and the calculated values will update automatically.<br>For a detailed explanation of borrowing base certificates and the meaning of each field, read &#8220;<a href=\"https:\/\/www.comcapfactoring.com\/ca\/blog\/borrowing-base-certificate\/\">How Does a Borrowing Certificate Work?<\/a>&#8220;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How to use the calculator<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Enter or modify the editable values. The calculator will automatically update the eligible collateral, margined amounts, available borrowing base, and available funds.<\/p>\n\n\n\n<figure class=\"wp-block-table post-table post-table-remove-separators post-table-first-column-alignment cc-bbc-calculator\" id=\"cc-bbc-calculator\">\n  <table>\n    <tbody>\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\"><b>A\/R Aging Summary<\/b><\/td>\n        <td><\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">Total Accounts Receivable<\/td>\n        <td>\n          <span class=\"cc-bbc-value-wrap\">\n            <span class=\"cc-bbc-symbol\">$<\/span>\n            <input type=\"text\" inputmode=\"decimal\" value=\"2,000,000\" id=\"cc-bbc-total-ar\" data-cc-bbc-input=\"\" data-cc-format=\"money\">\n            <span class=\"cc-bbc-suffix\"><\/span>\n          <\/span>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\"><em>Less: Ineligible Accounts<\/em><\/td>\n        <td><\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\"><em>Accounts over 90 days<\/em><\/td>\n        <td>\n          <mark style=\"color:#f72f35\" class=\"has-inline-color\">\n            <span class=\"cc-bbc-value-wrap cc-bbc-negative\">\n              <span class=\"cc-bbc-symbol\">($<\/span>\n              <input type=\"text\" inputmode=\"decimal\" value=\"120,000\" id=\"cc-bbc-ar-over-90\" data-cc-bbc-input=\"\" data-cc-format=\"money\">\n              <span class=\"cc-bbc-suffix\">)<\/span>\n            <\/span>\n          <\/mark>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\"><em>Accounts exceeding concentration limit (20%)<\/em><\/td>\n        <td>\n          <mark style=\"color:#f72f35\" class=\"has-inline-color\">\n            <span class=\"cc-bbc-value-wrap cc-bbc-negative\">\n              <span class=\"cc-bbc-symbol\">($<\/span>\n              <input type=\"text\" inputmode=\"decimal\" value=\"60,000\" id=\"cc-bbc-ar-concentration\" data-cc-bbc-input=\"\" data-cc-format=\"money\">\n              <span class=\"cc-bbc-suffix\">)<\/span>\n            <\/span>\n          <\/mark>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">Total Eligible Receivables Amount<\/td>\n        <td>\n          <span class=\"cc-bbc-value-wrap\">\n            <span class=\"cc-bbc-symbol\">$<\/span>\n            <span class=\"cc-bbc-calculated-value\" id=\"cc-bbc-eligible-ar\">1,820,000<\/span>\n            <span class=\"cc-bbc-suffix\"><\/span>\n          <\/span>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">Advance Rate<\/td>\n        <td>\n          <span class=\"cc-bbc-value-wrap\">\n            <span class=\"cc-bbc-symbol\"><\/span>\n            <input type=\"text\" inputmode=\"decimal\" value=\"85\" id=\"cc-bbc-ar-advance-rate\" data-cc-bbc-input=\"\" data-cc-format=\"percent\">\n            <span class=\"cc-bbc-suffix\">%<\/span>\n          <\/span>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">\n          <mark style=\"background-color:#ffff00\" class=\"has-inline-color\">Total Margined A\/R Amount<\/mark>\n        <\/td>\n        <td>\n          <mark style=\"background-color:#ffff00\" class=\"has-inline-color\">\n            <span class=\"cc-bbc-value-wrap\">\n              <span class=\"cc-bbc-symbol\">$<\/span>\n              <span class=\"cc-bbc-calculated-value\" id=\"cc-bbc-margined-ar\">1,547,000<\/span>\n              <span class=\"cc-bbc-suffix\"><\/span>\n            <\/span>\n          <\/mark>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\"><\/td>\n        <td><\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\"><b>Inventory Summary<\/b><\/td>\n        <td><\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">Total Inventory Amount<\/td>\n        <td>\n          <span class=\"cc-bbc-value-wrap\">\n            <span class=\"cc-bbc-symbol\">$<\/span>\n            <input type=\"text\" inputmode=\"decimal\" value=\"700,000\" id=\"cc-bbc-total-inventory\" data-cc-bbc-input=\"\" data-cc-format=\"money\">\n            <span class=\"cc-bbc-suffix\"><\/span>\n          <\/span>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\"><em>Less: Ineligible Inventory (Obsolete, WIP, etc.)<\/em><\/td>\n        <td>\n          <mark style=\"color:#f72f35\" class=\"has-inline-color\">\n            <span class=\"cc-bbc-value-wrap cc-bbc-negative\">\n              <span class=\"cc-bbc-symbol\">($<\/span>\n              <input type=\"text\" inputmode=\"decimal\" value=\"120,000\" id=\"cc-bbc-ineligible-inventory\" data-cc-bbc-input=\"\" data-cc-format=\"money\">\n              <span class=\"cc-bbc-suffix\">)<\/span>\n            <\/span>\n          <\/mark>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">Eligible Inventory<\/td>\n        <td>\n          <span class=\"cc-bbc-value-wrap\">\n            <span class=\"cc-bbc-symbol\">$<\/span>\n            <span class=\"cc-bbc-calculated-value\" id=\"cc-bbc-eligible-inventory\">580,000<\/span>\n            <span class=\"cc-bbc-suffix\"><\/span>\n          <\/span>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">Advance Rate<\/td>\n        <td>\n          <span class=\"cc-bbc-value-wrap\">\n            <span class=\"cc-bbc-symbol\"><\/span>\n            <input type=\"text\" inputmode=\"decimal\" value=\"60\" id=\"cc-bbc-inventory-advance-rate\" data-cc-bbc-input=\"\" data-cc-format=\"percent\">\n            <span class=\"cc-bbc-suffix\">%<\/span>\n          <\/span>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">\n          <mark style=\"background-color:#ffff00\" class=\"has-inline-color\">Total Margined Inventory Amount<\/mark>\n        <\/td>\n        <td>\n          <mark style=\"background-color:#ffff00\" class=\"has-inline-color\">\n            <span class=\"cc-bbc-value-wrap\">\n              <span class=\"cc-bbc-symbol\">$<\/span>\n              <span class=\"cc-bbc-calculated-value\" id=\"cc-bbc-margined-inventory\">348,000<\/span>\n              <span class=\"cc-bbc-suffix\"><\/span>\n            <\/span>\n          <\/mark>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\"><\/td>\n        <td><\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\"><b>Borrowing Base Summary<\/b><\/td>\n        <td><\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">Available Borrowing Base<\/td>\n        <td>\n          <span class=\"cc-bbc-value-wrap\">\n            <span class=\"cc-bbc-symbol\">$<\/span>\n            <span class=\"cc-bbc-calculated-value\" id=\"cc-bbc-available-borrowing-base\">1,895,000<\/span>\n            <span class=\"cc-bbc-suffix\"><\/span>\n          <\/span>\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">Current Loan Balance<\/td>\n        <td>\n          <mark style=\"color:#f72f35\" class=\"has-inline-color\">\n            <span class=\"cc-bbc-value-wrap cc-bbc-negative\">\n              <span class=\"cc-bbc-symbol\">($<\/span>\n              <input type=\"text\" inputmode=\"decimal\" value=\"1,000,000\" id=\"cc-bbc-current-loan-balance\" data-cc-bbc-input=\"\" data-cc-format=\"money\">\n              <span class=\"cc-bbc-suffix\">)<\/span>\n            <\/span>\n          <\/mark>\n        <\/td>\n      <\/tr>\n    <\/tbody>\n\n    <tfoot>\n      <tr>\n        <td class=\"has-text-align-left\" data-align=\"left\">\n          <mark style=\"background-color:#ffff00\" class=\"has-inline-color\">Available Funds<\/mark>\n        <\/td>\n        <td>\n          <mark style=\"background-color:#ffff00\" class=\"has-inline-color\">\n            <span class=\"cc-bbc-value-wrap\">\n              <span class=\"cc-bbc-symbol\">$<\/span>\n              <span class=\"cc-bbc-calculated-value\" id=\"cc-bbc-available-funds\">895,000<\/span>\n              <span class=\"cc-bbc-suffix\"><\/span>\n            <\/span>\n          <\/mark>\n        <\/td>\n      <\/tr>\n    <\/tfoot>\n  <\/table>\n<\/figure>\n\n<style>\n  \/*\n    Inherits the original table formatting from:\n    figure.wp-block-table.post-table.post-table-remove-separators.post-table-first-column-alignment\n\n    This CSS only styles the calculator inputs and value\/symbol alignment.\n  *\/\n\n  .cc-bbc-calculator .cc-bbc-value-wrap {\n    display: inline-grid;\n    grid-template-columns: 2em 8em 1em;\n    align-items: center;\n    justify-content: center;\n    column-gap: 2px;\n    white-space: nowrap;\n  }\n\n  .cc-bbc-calculator .cc-bbc-symbol {\n    text-align: right;\n    min-width: 0;\n  }\n\n  .cc-bbc-calculator .cc-bbc-suffix {\n    text-align: left;\n    min-width: 0;\n  }\n\n  .cc-bbc-calculator .cc-bbc-calculated-value {\n    display: inline-block;\n    width: 8em;\n    text-align: right;\n    font-variant-numeric: tabular-nums;\n  }\n\n  .cc-bbc-calculator input[data-cc-bbc-input] {\n    box-sizing: border-box;\n    width: 8em;\n    min-width: 8em;\n    max-width: 8em;\n    padding: 2px 4px;\n    border: 1px solid #999;\n    border-radius: 2px;\n    background: #fff;\n    color: inherit;\n    font: inherit;\n    font-weight: inherit;\n    line-height: inherit;\n    text-align: right;\n    outline: none;\n    font-variant-numeric: tabular-nums;\n  }\n\n  .cc-bbc-calculator input[data-cc-bbc-input]:focus {\n    border-color: #ef621e;\n    box-shadow: 0 0 0 1px #ef621e;\n  }\n<\/style>\n\n<script>\n  (function () {\n    const calculator = document.getElementById('cc-bbc-calculator');\n    if (!calculator) return;\n\n    const fields = {\n      totalAR: calculator.querySelector('#cc-bbc-total-ar'),\n      arOver90: calculator.querySelector('#cc-bbc-ar-over-90'),\n      arConcentration: calculator.querySelector('#cc-bbc-ar-concentration'),\n      arAdvanceRate: calculator.querySelector('#cc-bbc-ar-advance-rate'),\n      totalInventory: calculator.querySelector('#cc-bbc-total-inventory'),\n      ineligibleInventory: calculator.querySelector('#cc-bbc-ineligible-inventory'),\n      inventoryAdvanceRate: calculator.querySelector('#cc-bbc-inventory-advance-rate'),\n      currentLoanBalance: calculator.querySelector('#cc-bbc-current-loan-balance')\n    };\n\n    const outputs = {\n      eligibleAR: calculator.querySelector('#cc-bbc-eligible-ar'),\n      marginedAR: calculator.querySelector('#cc-bbc-margined-ar'),\n      eligibleInventory: calculator.querySelector('#cc-bbc-eligible-inventory'),\n      marginedInventory: calculator.querySelector('#cc-bbc-margined-inventory'),\n      availableBorrowingBase: calculator.querySelector('#cc-bbc-available-borrowing-base'),\n      availableFunds: calculator.querySelector('#cc-bbc-available-funds')\n    };\n\n    window.ccBorrowingBase = window.ccBorrowingBase || {};\n\n    function getNumber(input) {\n      const rawValue = String(input.value).replace(\/,\/g, '').trim();\n      const value = parseFloat(rawValue);\n      return Number.isFinite(value) ? value : 0;\n    }\n\n    function formatWholeNumber(value) {\n      return Math.round(value).toLocaleString('en-US');\n    }\n\n    function formatMoneyInput(input) {\n      const value = getNumber(input);\n      input.value = formatWholeNumber(value);\n    }\n\n    function formatPercentInput(input) {\n      const value = getNumber(input);\n      input.value = value.toString();\n    }\n\n    function calculateBorrowingBase() {\n      const totalAR = getNumber(fields.totalAR);\n      const arOver90 = getNumber(fields.arOver90);\n      const arConcentration = getNumber(fields.arConcentration);\n      const arAdvanceRate = getNumber(fields.arAdvanceRate) \/ 100;\n\n      const totalInventory = getNumber(fields.totalInventory);\n      const ineligibleInventory = getNumber(fields.ineligibleInventory);\n      const inventoryAdvanceRate = getNumber(fields.inventoryAdvanceRate) \/ 100;\n\n      const currentLoanBalance = getNumber(fields.currentLoanBalance);\n\n      const eligibleAR = Math.max(totalAR - arOver90 - arConcentration, 0);\n      const marginedAR = eligibleAR * arAdvanceRate;\n\n      const eligibleInventory = Math.max(totalInventory - ineligibleInventory, 0);\n      const marginedInventory = eligibleInventory * inventoryAdvanceRate;\n\n      const availableBorrowingBase = marginedAR + marginedInventory;\n      const availableFunds = availableBorrowingBase - currentLoanBalance;\n\n      outputs.eligibleAR.textContent = formatWholeNumber(eligibleAR);\n      outputs.marginedAR.textContent = formatWholeNumber(marginedAR);\n      outputs.eligibleInventory.textContent = formatWholeNumber(eligibleInventory);\n      outputs.marginedInventory.textContent = formatWholeNumber(marginedInventory);\n      outputs.availableBorrowingBase.textContent = formatWholeNumber(availableBorrowingBase);\n      outputs.availableFunds.textContent = formatWholeNumber(availableFunds);\n\n      window.ccBorrowingBase = {\n        totalAR: totalAR,\n        arOver90: arOver90,\n        arConcentration: arConcentration,\n        eligibleAR: Math.round(eligibleAR),\n        arAdvanceRate: arAdvanceRate,\n        marginedAR: Math.round(marginedAR),\n\n        totalInventory: totalInventory,\n        ineligibleInventory: ineligibleInventory,\n        eligibleInventory: Math.round(eligibleInventory),\n        inventoryAdvanceRate: inventoryAdvanceRate,\n        marginedInventory: Math.round(marginedInventory),\n\n        availableBorrowingBase: Math.round(availableBorrowingBase),\n        currentLoanBalance: currentLoanBalance,\n        availableFunds: Math.round(availableFunds)\n      };\n\n      document.dispatchEvent(new CustomEvent('ccBorrowingBaseUpdated', {\n        detail: window.ccBorrowingBase\n      }));\n    }\n\n    calculator.querySelectorAll('[data-cc-bbc-input]').forEach(function (input) {\n      input.addEventListener('input', calculateBorrowingBase);\n\n      input.addEventListener('blur', function () {\n        if (input.value.trim() === '') {\n          input.value = '0';\n        }\n\n        if (input.dataset.ccFormat === 'money') {\n          formatMoneyInput(input);\n        }\n\n        if (input.dataset.ccFormat === 'percent') {\n          formatPercentInput(input);\n        }\n\n        calculateBorrowingBase();\n      });\n    });\n\n    calculator.querySelectorAll('[data-cc-format=\"money\"]').forEach(formatMoneyInput);\n\n    calculateBorrowingBase();\n  })();\n<\/script>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Note:<\/strong> This calculator is provided for educational purposes only. Consult a professional or your lender if you need help.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 &#8220;How Does a Borrowing Certificate Work?&#8220; How to use the calculator Enter or modify the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":17146,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","wds_primary_category":0,"footnotes":""},"categories":[134],"tags":[],"class_list":["post-17253","post","type-post","status-publish","format-standard","has-post-thumbnail","category-calculators","entry"],"acf":[],"taxonomy_info":{"category":[{"value":134,"label":"Business Calculators"}]},"featured_image_src_large":["https:\/\/www.comcapfactoring.com\/ca\/wp-content\/uploads\/sites\/2\/2025\/11\/borrowing-base-certificate-table-679x1024.webp",679,1024,true],"author_info":{"display_name":"Marco Terry","author_link":"https:\/\/www.comcapfactoring.com\/ca\/blog\/author\/marcoterry\/"},"comment_info":0,"category_info":[{"term_id":134,"name":"Business Calculators","slug":"calculators","term_group":0,"term_taxonomy_id":134,"taxonomy":"category","description":"This category contains several online (interactive) business calculators. ","parent":0,"count":1,"filter":"raw","meta":[],"cat_ID":134,"category_count":1,"category_description":"This category contains several online (interactive) business calculators. ","cat_name":"Business Calculators","category_nicename":"calculators","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/posts\/17253","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/comments?post=17253"}],"version-history":[{"count":3,"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/posts\/17253\/revisions"}],"predecessor-version":[{"id":17256,"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/posts\/17253\/revisions\/17256"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/media\/17146"}],"wp:attachment":[{"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/media?parent=17253"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/categories?post=17253"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comcapfactoring.com\/ca\/wp-json\/wp\/v2\/tags?post=17253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}