What is a Borrowing Base Certificate? A BBC is a document you submit to your bank (usually monthly) that calculates how much of your revolving line of credit is available based on eligible collateral. Banks typically advance 70–85% against eligible accounts receivable and 40–60% against eligible inventory. Ineligible collateral (over-90-day AR, intercompany receivables, foreign AR, etc.) is excluded from the calculation.
📄 Accounts Receivable
| Category / Customer Group | Gross Amount | Advance Rate % | Eligible Amount | |
|---|---|---|---|---|
| % | $0 |
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| % | $0 |
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| % | $0 |
⚠️ Ineligible AR Deductions (excluded from borrowing base)
📦 Inventory
| Inventory Category | Gross Value | Advance Rate % | Eligible Amount | |
|---|---|---|---|---|
| % | $0 |
|||
| % | $0 |
🏢 Other Eligible Collateral (if included by your lender)
| Collateral Category | Value | Advance Rate % | Eligible Amount | |
|---|---|---|---|---|
| % | $0 |
Borrowing Base Summary
Eligible AR
$0
Eligible Inventory
$0
Other Eligible
$0
Total Borrowing Base
$0
Line Availability Calculation
Total Borrowing Base$0
Line of Credit Limit$0
Lesser of Base or Limit$0
Less: Current Outstanding Balance($0)
💡 Available to Borrow$0
For educational purposes only. Advance rates, eligible collateral definitions, and ineligible deductions vary by lender and loan agreement. Always verify your specific borrowing base calculation against your actual loan agreement and lender requirements. This tool does not constitute a formal BBC submission. All calculations occur in your browser — no data is transmitted or stored. See our Terms of Use.