What is borrowing base?
Borrowing Base: The formula that tells an ABL lender how much you can draw today.
How it works
A typical formula: 85% of eligible receivables + 50% of eligible inventory − reserves. You submit a borrowing-base certificate weekly or monthly, and availability moves with your book.
Where you will run into it
Borrowing Base comes up most often in asset-based lending (abl) conversations. See how asset-based lending (abl) works, including real cost ranges and timelines.
Related terms
Borrowing Base questions
The formula that tells an ABL lender how much you can draw today.
A typical formula: 85% of eligible receivables + 50% of eligible inventory − reserves. You submit a borrowing-base certificate weekly or monthly, and availability moves with your book.
Funding Requirements Checklist for US manufacturers
See exactly what underwriters actually look at — for factoring, PO financing, equipment, working capital, ABL, and SBA — before you fill out a single application.
- What documents you need for each program
- Typical time-to-fund by program
- Common disqualifiers worth knowing up front
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