Borrowing-Base Impact Calculator
Estimate how lender-accepted trade credit insurance on excluded foreign receivables or an excess customer concentration could potentially affect borrowing availability.
Important: This calculator does not assume that purchasing trade credit insurance automatically makes a receivable eligible collateral. Your lender determines borrowing-base eligibility, advance rates, concentration limits and acceptable insurance arrangements.
Approximate total A/R.
A/R currently included before applying the advance rate.
Lender's current advance rate on eligible A/R.
Foreign A/R to test as potentially insured and lender-accepted. Enter 0 if not applicable.
Portion outside the borrowing base because of a concentration limit. Enter 0 if not applicable.
Assumption only, subject to lender approval.
Illustrative purposes only. Illustrative purposes only. This calculator provides a simplified estimate based on the information entered and does not constitute a determination of collateral eligibility, a loan commitment, or financial, accounting, legal or insurance advice. Trade credit insurance does not require a lender to include insured receivables in a borrowing base or to use any particular advance rate. Insurance coverage is subject to applicable policy terms, conditions, exclusions, deductibles, credit limits and other provisions.
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JMR works with lenders and borrowers to explore how trade credit insurance can support financing.