Borrowing Base Availability Calculator
Free calculator · FinToku
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Method and assumptions
Customer cap = starting receivables × selected cap percentage. Remove only that customer’s excess. Apply AR/inventory advances, subtract the reserve and floor at zero. Permitted borrowing is the lower of that base and the credit limit. Compare with drawn balance for availability or overadvance.
This is one explicit, non-iterative sample formula. Enter AR after all other ineligibility exclusions. Actual agreements can use a different concentration denominator, cross-aging, reserves and minimum availability. Default percentages are invented assumptions, not lender standards, a recommendation or approval.
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Primary references
Sources checked November 2, 2026. References explain the borrowing concepts, not lender approval or every contract’s calculation.
Educational estimate, not a loan offer or personalized advice. Inputs are processed in your browser and are not sent by this calculator. Confirm actual terms and dates. Financial disclaimer · Loan guides.
All amounts are USD. Defaults and stress scenarios are hypothetical, not current offers.
Adjust the inputs, then select Calculate to review your scenario.
Apply a clearly defined sample customer-concentration adjustment, advances, reserve and credit limit to estimate business line availability.
Learn more about this calculation
Review these related guides before comparing estimates with actual lender terms.
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