Borrowing Base Calculator

Automated BBC Calculations in Seconds

Real-time borrowing base certificate generation with advance rate tiers, concentration limits, dynamic reserves, and automated covenant monitoring.

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BBC Calculation Engine

Every component of the borrowing base calculation is automated, auditable, and explainable down to the invoice level.

Real-Time Calculation

Borrowing base computed in under 3 seconds. Supports multiple advance rate tiers (0-30, 31-60, 61-90, 90+ DPD) with automatic aging bucket classification.

Concentration Limits

Top obligor concentration monitoring with configurable single-name and group limits. HHI index calculation, top 10 exposure tracking, and LTM trend analysis.

Reserve Formulas

Dynamic reserve calculations including yield reserve, servicing reserve, dilution reserve, and loss reserve. Configurable stress factors and loss horizons.

Covenant Monitoring

Automated tracking of delinquency ratio, default ratio, dilution rate, and DSO triggers. Real-time breach detection with historical trend comparison.

What-If Analysis

Simulate borrowing base under different scenarios. Adjust advance rates, add/remove obligors, change facility limits, and see instant impact on availability.

Multi-Facility

Manage multiple facilities with independent parameters. Cross-facility availability aggregation, per-facility configuration, and comparative analysis.

How the BBC Calculator Works

1

Ingest AR Data

Upload aging reports, cash receipts, invoices, and credit memos from any ERP system. AI maps columns automatically.

2

Apply Eligibility Rules

Each receivable is tested against eligibility criteria: DPD limits, cross-aging, obligor limits, ineligible categories, minimum amounts.

3

Compute Advance Rates

Eligible receivables are bucketed by aging, obligor, and classification. Advance rates applied per tier with concentration adjustments.

4

Calculate Reserves

Dynamic reserves computed: yield reserve (rate x days / 360), dilution reserve (3-month rolling), loss reserve (stress factor x loss horizon).

5

Generate BBC

Net borrowing base = eligible collateral x advance rate - reserves. Available amount = min(BBC, facility limit) - outstanding draws.

Frequently Asked Questions

What is a borrowing base certificate?
A periodic report certifying the current borrowing base calculation. It shows eligible collateral, advance rates, reserves, and available borrowing capacity.
How are advance rates calculated?
Receivables are bucketed by aging (0-30, 31-60, 61-90, 90+ DPD). Each bucket has a configurable advance rate, typically decreasing as aging increases.
What reserves are included in the BBC calculation?
Yield reserve, servicing reserve, dilution reserve, and loss reserve. Each is dynamically computed with configurable stress factors and floors.
How does real-time BBC differ from spreadsheet-based calculation?
Automated data ingestion, real-time eligibility testing, instant reserve computation, and full audit trail. No manual formula errors or version control issues.
What is concentration limit monitoring?
Caps on maximum exposure to a single obligor or group. Excess receivables are excluded from the borrowing base. Includes HHI index calculation.

Automate Your Borrowing Base

Stop building BBC certificates in spreadsheets. Get real-time calculations with full audit trail.

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