Asset-Based Lending Calculator
Estimate an illustrative borrowing base by applying example advance rates to your receivables, inventory, and equipment.
Explore your financing options
Optional. Share a few details and a financing professional can follow up about the structures relevant to your situation. Your calculator inputs are not sent — only what you enter below.
How this calculator works
The tool multiplies each asset class by an advance rate you can adjust — receivables, inventory, and equipment — and sums the results into an illustrative borrowing base, showing how much each asset contributes.
What it does not do
Advance rates are illustrative examples you can adjust. Real borrowing bases apply eligibility criteria, dilution reserves, appraisals and concentration limits that this tool does not model.
Inputs
- Accounts receivable (USD)
- A/R advance rate (%)
- Inventory value (USD)
- Inventory advance rate (%)
- Equipment / M&E value (USD)
- Equipment advance rate (%)
Outputs
- Illustrative borrowing base
- Availability from receivables
- Availability from inventory
- Availability from equipment
Machine name for AI agents / WebMCP: calculate_abl_capacity. See the tool manifest.
Frequently asked questions
What is a borrowing base?
The amount a lender may make available under an asset-based facility, calculated by applying advance rates to eligible collateral such as receivables and inventory.
Are the advance rates accurate?
They are illustrative examples you can change. Real facilities apply eligibility criteria, dilution reserves, appraisals, and concentration limits that this tool does not model.