BBC Review
Every borrowing-base certificate tied out, ineligibles recomputed and availability cited before the draw funds.
Why it matters
Weekly or monthly certificates arrive as spreadsheets; analysts tie them to agings and the ledger and recompute ineligibles by hand while draws wait.
How the solution handles it
Six agents read the certificate and its backup, tie it to the aging, ledger and roll-forward, recompute ineligibles from the credit agreement, value inventory at the agreed share of NOLV, check concentration and dilution reserves, and draft availability. A portfolio manager approves availability.
How a borrowing base moves
Six specialist agents read, tie out, recompute ineligibles, value inventory and check reserves; a portfolio manager approves availability.
What it reads, and what it hands back.
What goes in
- Borrowing-base certificate
- AR aging report
- Inventory perpetual report
- General ledger and AR roll-forward
- Credit agreement eligibility terms
What comes out
- Reviewed certificate with availability
- Ineligibles and reserves recomputed
- Exceptions with sources
- Draw approval note
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Source: OCC Comptroller’s Handbook, Asset-Based Lending (70–85% of eligible AR; ineligible at 3× terms; 80% of NOLV) · “Target” = design goal, measured in the live solution · “Estimated” = our estimate · agents = the live solution’s configuration
6 specialist agents. One person decides.
More in this division.
Every aging normalized and read line by line for re-aging, contras and concentration, in minutes.
Field Exam WorkbenchField exam testing done before the examiner arrives, every sample tied to its invoice, BOL and cash.
Appraisal ReviewEvery inventory appraisal checked against the perpetual and the last appraisal, NOLV changes explained.
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