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.
Independent Capital Advisory
About Financely
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.
Our work is transaction-specific. We assess the underlying financing requirement, commercial structure, repayment mechanics, collateral, documentation and counterparty risks before preparing opportunities for lender or investor review.
In trade and commodity finance, this includes analysis of the underlying trade, payment mechanics, market evidence, collateral controls and compliance risks. Engagements are undertaken on a best-efforts basis and do not constitute a commitment to lend or invest. All transactions remain subject to KYC, AML, due diligence, credit approval and counterparty requirements.
Trade Finance Expertise
Institutional Trade Finance Experience
Financely combines experience across documentary credits, structured trade finance, commodity finance, structured credit and working-capital facilities with transaction structuring, underwriting preparation and capital placement capabilities.
Our trade finance capabilities cover import, export, pre-shipment, post-shipment and commodity-backed financing structures across Europe, Africa, the Middle East, South Asia and Southeast Asia. We assess the commercial transaction alongside the proposed financing structure, including payment mechanics, counterparties, collateral, repayment sources and transaction controls.
Financely supports importers, exporters, commodity traders, manufacturers and other operating companies with structuring, underwriting preparation and placement of financing opportunities with banks, private credit funds, specialty lenders, insurers and other institutional capital providers.
Our work may include documentary credit structures, supplier financing, receivables facilities, inventory financing, borrowing-base facilities, pre-export finance and other structured working-capital solutions. Each mandate is developed around the underlying trade flow, credit profile and requirements of prospective financing providers.
Trade Finance Capabilities
- Documentary letters of credit under UCP 600
- Standby letters of credit under ISP98
- UPAS and supplier-payment structures
- Import and export financing
- Pre-export and pre-shipment facilities
- Post-shipment financing
- Receivables discounting and financing
- Inventory-backed facilities
- Commodity-backed working-capital facilities
- Borrowing-base financing structures
- Collateral-control structures
- Structured credit and private debt facilities
Underwriting & Execution
- Transaction structure and financing analysis
- Trade-flow and repayment-source assessment
- Counterparty and commercial-document review
- Collateral and security-package structuring
- Cash-control and repayment mechanisms
- KYC, AML and compliance coordination
- Credit memorandum and lender-package preparation
- Financial and transaction data-room preparation
- Lender and capital-provider identification
- Financing structure and term-sheet coordination
- Documentation-process coordination
- Financing placement and execution support
Qualifications & Market Experience
Financely's trade finance capabilities include postgraduate finance qualifications and professional experience across banking, structured credit, documentary trade finance, working-capital finance and cross-border commodity transactions. Sector exposure includes energy, metals, agricultural commodities, industrial products and general import-export trade.
Advisory Services
Find the Right Financing Service
Select the financing category relevant to your transaction. Each mandate is assessed based on transaction structure, capital requirement, execution readiness and lender suitability.
Trade Finance Advisory
Structuring and placement for importers, exporters, commodity traders and companies executing cross-border transactions. Mandates may involve documentary credits, commodity-backed facilities, receivables, inventory and structured working capital.
Project Finance Advisory
Debt and capital advisory for renewable energy, infrastructure, industrial and other capital-intensive projects. Financely supports sponsors with financing structure, lender preparation and capital placement.
Commercial Real Estate Finance
Capital advisory for commercial property acquisitions, developments, bridge transactions, construction projects and refinancing requirements.
M&A and Acquisition Finance
Capital structuring for acquisitions, buyouts, sponsor-backed transactions and strategic corporate purchases. Mandates may combine senior debt, private credit, bridge capital and mezzanine financing.
Private Credit and Structured Debt
Bespoke debt structures for companies and sponsors requiring institutional capital outside conventional bank lending parameters.
