Borrowing Base Availability Calculator
Estimate borrowing base availability for receivables finance, inventory finance, commodity finance, and asset-based lending.
- Eligible receivables
- Eligible inventory
- Advance rates
- Lender reserves
Finance Calculators For Debt And Trade Finance
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Structured Finance Calculators
Finance Calculators For Debt, Trade Finance, And Acquisition Funding
Use these formula-based calculators to estimate borrowing base availability, debt service coverage, and acquisition finance capacity before preparing a financing request. Each calculator relies on user-entered assumptions and standard credit formulas. The output is a screening estimate for borrowers, sponsors, operators, and advisors preparing a lender-facing RFQ.
Financely works with companies seeking structured debt, trade finance, asset-based lending, project finance, Commercial Real Estate finance, and acquisition finance. These calculators help borrowers organize the numbers that lenders typically review before moving into underwriting, diligence, term sheet discussions, and capital provider distribution.
Select A Calculator
Choose the calculator that matches your transaction type. Each tool opens in a popup and shows the formula used, the required inputs, and the estimated outputs.
Debt Service Coverage Ratio Calculator
Estimate DSCR using cash flow available for debt service, loan amount, interest rate, amortization, and payment frequency.
- CFADS or NOI
- Loan amount
- Annual debt service
- Coverage ratio
Acquisition Finance Debt Capacity Calculator
Estimate acquisition debt capacity using EBITDA, debt multiple, free cash flow, target DSCR, seller note, and equity requirement.
- EBITDA debt capacity
- DSCR-based debt capacity
- Estimated senior debt
- Required equity
Why These Calculators Use User Inputs Only
These calculators do not estimate lender appetite, approval probability, bank pricing, instrument availability, collateral acceptance, or legal enforceability. They calculate outputs from the numbers entered by the user. That makes them suitable for early screening, RFQ preparation, and internal transaction planning.
Formula Summary
| Calculator | Formula | Best Used For |
|---|---|---|
| Borrowing Base Availability | Borrowing Base = Eligible Receivables × Receivables Advance Rate + Eligible Inventory × Inventory Advance Rate - Reserves | Trade finance, receivables finance, inventory finance, commodity finance, and asset-based lending. |
| Debt Service Coverage Ratio | DSCR = CFADS or NOI ÷ Annual Debt Service. Annual debt service is calculated using the standard amortizing loan payment formula. | Project finance, Commercial Real Estate finance, acquisition finance, private credit, and infrastructure debt. |
| Acquisition Finance Debt Capacity | Debt Capacity By EBITDA = EBITDA × Debt Multiple. Debt Capacity By DSCR = maximum debt supported by cash flow and target DSCR. | Business acquisitions, management buyouts, search fund-style acquisitions, and sponsor-backed transactions. |
Important Disclaimers
The calculators are for preliminary screening only. Results depend entirely on user-provided inputs and should not be treated as a financing offer, commitment, approval, valuation, legal opinion, tax advice, securities advice, investment advice, bank quote, or lender term sheet.
Actual financing terms may depend on jurisdiction, borrower credit quality, collateral eligibility, debtor concentration, financial statements, cash controls, legal documentation, KYC, AML and sanctions checks, lender mandate, insurance, title, security package, repayment source, and third-party diligence.
Financely is a corporate finance advisory platform. Financely is not a direct lender and does not guarantee funding. Transactions may be structured, reviewed, or distributed through banks, private credit funds, insurers, regulated intermediaries, or other capital providers where applicable.
Need A Transaction-Specific Review?
If your numbers show a financeable transaction, prepare your RFQ with the relevant documents, assumptions, counterparties, collateral details, and repayment source.
© Financely. These calculators are provided for commercial screening and transaction preparation. All outputs are indicative and subject to diligence, documentation, lender review, compliance checks, legal review, collateral validation, and final credit approval.
About Financely
We Provide Private Credit Trade and Project Finance Advisory for Sponsors and Borrowers
Financely is an independent capital adviser focused on trade finance, project finance, Commercial Real Estate, and M&A funding. We structure, underwrite, and place transactions through regulated partners across banks, funds, and insurers. Engagements are best-efforts, not a commitment to lend, and remain subject to KYC, AML, and approvals.