{ "schema": "aiblocks-page/1", "id": "borrowing-base-evidence-reviewer", "type": "agent", "name": "Borrowing base and credit line reviewer", "summary": "Check changed collateral and loan records. Work out credit line capacity and debt use, and show any amount over the limit.", "headline": "Borrowing base and credit line reviewer", "subhead": "Share same-date receivables, stock values, credit terms, rates, reserves, debt use and the prior review. It checks changed records, reconciles the borrowing base and credit line use, and reviews a proposed request against a supplied limit where relevant. You get dated calculations, exceptions and gaps. A negative balance stays an over-limit issue, and headroom is not permission to draw funds.", "job": { "id": "money-and-investing", "name": "Research investments and business value" }, "level": "advanced", "thinking": "high", "tested": true, "updated": "2026-11-03", "first_published": "2026-10-22", "inputs": [ { "type": "spreadsheet", "required": true, "label": "Spreadsheet", "what": "a spreadsheet with its data, formulas and charts" }, { "type": "contract", "required": true, "label": "Contract", "what": "a contract or agreement in full, such as terms of service, an NDA or an order form, with its clauses, dates and any changes" }, { "type": "document", "required": true, "label": "Document", "what": "a finished document, such as a Word file, a PDF or a page of notes" } ], "outputs": [ { "type": "audit_report", "required": true, "label": "Audit report", "what": "findings with evidence, severity, missing inputs and next actions" }, { "type": "spreadsheet", "required": false, "label": "Spreadsheet", "what": "a spreadsheet with its data, formulas and charts" } ], "you_give": [ "The receivables aging for the certificate date, with its control total (from your accounting system)", "Inventory at cost and its appraisal value for the same date (from your records and the appraiser)", "The credit agreement pages on eligibility, advance rates, concentration caps, reserves and the commitment, with any amendment", "Current drawings and letters of credit outstanding (from the lender's statement)", "Any lender reserve notice, with its date", "The reporting date, the currency and the scale, such as USD thousands", "The last review's record (optional, needed to see what changed)", "A proposed draw and your connected-party exposure limit (optional)" ], "you_get": [ "What changed since the last review, line by line", "The receivables advance, tied to the aging control total, after ineligibles and concentration excess", "The inventory advance, with the limit that applied and any item with no appraisal listed", "Signed availability, with the limit that applied and every deduction counted once", "Any overadvance shown as a negative number and listed as an exception", "A check of a requested draw against your connected-party limit, if you gave one", "A short record to start the next review from" ], "use_when": [ "A new month-end receivables aging arrives and you want to recheck availability before you draw.", "An inventory appraisal or a lender reserve notice changed since the last certificate.", "A certificate is due to your lender and you want an independent tie-out first.", "You are about to request a draw and need to know whether it fits, or whether you are already in overadvance." ], "skip_when": [ "You have no signed credit agreement. Eligibility, advance rates and reserves come from it, so the review stops without it.", "You want only the receivables part, or only the inventory part. Use the Customer invoice borrowing limit calculator or the Inventory borrowing limit calculator.", "You want covenant tests. Use the Loan covenant cash cover reviewer.", "You want the interest and fees on the line checked. Use the Revolving loan interest and fee checker.", "You need a certificate signed or sent to your lender. A person who knows the credit agreement does that." ], "output_sample": { "input": [ "The receivables aging for the certificate date, with its control total", "Inventory at cost and its appraisal value for the same date", "The credit agreement pages on eligibility, advance rates, caps, reserves and the commitment", "Current drawings, letters of credit and any lender reserve notice", "The reporting date, currency and scale", "The last review's record (optional)" ], "prerequisites": [ "An AI that can read pasted text or uploaded files, such as Claude, ChatGPT or Gemini", "The two pieces it uses, the Reconcile an asset based revolver certificate workflow and the Credit exposure limit checker", "For a workbook, an AI that can build, recalculate and reopen a spreadsheet" ], "output": [ { "name": "What changed", "contains": "Each line that moved since the last review, with its source, old value and new value. A first run says first run." }, { "name": "Receivables advance", "contains": "The aging tied to its control total, the ineligibles and concentration excess taken off, the advance rate applied and the reserve taken off once." }, { "name": "Inventory advance", "contains": "Cost and appraisal side by side, which limit applied, the advance, and any item with no appraisal listed." }, { "name": "Signed availability", "contains": "The lower of commitment and borrowing base, less drawings, letters of credit and blocks. A negative result is shown as an overadvance." }, { "name": "Requested draw check", "contains": "Only if you gave a draw and a limit. The exposure against your connected-party limit, with the headroom as a monitoring result only." }, { "name": "Record for next review", "contains": "A small block with the certificate date, source versions, eligibility definitions, reserves, usage and any overadvance." }, { "name": "Workbook and files", "contains": "When your AI can build one, a workbook with inputs, formulas and a checks tab, saved with the run log under reviews/borrowing-base-evidence-reviewer/." } ] }, "output_shape": "CERTIFICATE DATE , , LAST REVIEW \n\nCHANGED SINCE LAST REVIEW \nRECEIVABLES aging total = control total : \n less ineligibles , concentration excess -> eligible x rate = advance , less reserve \nINVENTORY cost , appraisal , limit applied , no appraisal: \n -> advance , less reserve \nAVAILABILITY borrowing base , commitment , limit applied \n less drawings , letters of credit , other blocks -> availability (negative = overadvance)\nREQUESTED DRAW vs connected-party limit : headroom (monitoring only)\n\nRECORD FOR NEXT REVIEW \nMISSING \nCHECKS MISSED ", "how_to_use": [ "Add the agent with the pieces it uses, the Reconcile an asset based revolver certificate workflow and the Credit exposure limit checker. If your AI cannot open them, paste both in with the agent.", "Say if this is the first run. If not, paste last time's record. Then attach the aging, the inventory and appraisal, the credit agreement pages, the lender's statement and any reserve notice. State the currency and scale once.", "Read \"what changed\" first. Check one line by hand. Availability is the lower of your commitment and your borrowing base, less drawings, letters of credit and any other block, each counted once, as your agreement defines them.", "Check that the aging total matches your accounting system and that receivables and inventory use the same date. Fix every MISSING line.", "Give the result to the person who signs your certificate. Nothing is submitted. In plain chat it cannot save files, so keep the record. For a workbook, use an AI that can build and reopen a spreadsheet." ], "checks": [ "Source populations and certificate date match; every reserve and usage deduction appears once; negative availability stays an overadvance exception. Report changed evidence and actual recalculation; no external transaction or submission is authorized.", "Trace each material input to its source, date, currency, scale, sign and reporting period. Retain unresolved MISSING: lines.", "Keep hardcoded inputs separate from live formulas. Inspect changed inputs, actual recalculation, exported formulas and saved-file reopening." ], "steps": [ { "position": 1, "id": "reconcile-an-asset-based-revolver-certificate", "name": "Asset-backed credit line checker", "summary": "Share receivable and stock records, loan terms and debt usage. Get a borrowing-base schedule, credit-line limit and open draw conditions.", "url": "https://useaiblocks.com/workflows/reconcile-an-asset-based-revolver-certificate" }, { "position": 2, "id": "credit-exposure-limit-checker", "name": "Credit limit exposure checker", "summary": "Share loans, undrawn commitments and your limit. Check total exposure and the room left under that limit.", "url": "https://useaiblocks.com/skills/credit-exposure-limit-checker" } ], "next": [ { "name": "Revolving credit availability checker", "url": "https://useaiblocks.com/skills/revolver-availability-checker", "why": "Check the money" }, { "name": "Customer invoice borrowing limit calculator", "url": "https://useaiblocks.com/skills/receivables-borrowing-base-builder", "why": "Check the money" }, { "name": "Inventory borrowing limit calculator", "url": "https://useaiblocks.com/skills/inventory-borrowing-base-builder", "why": "Check the money" } ], "source": null, "credits": [ { "title": "Original finance methods and model fixtures", "by": "AI Blocks contributors", "url": "", "used": "Original instructions, calculations and illustrative examples. External method references are linked separately and retain their own rights." } ], "files": [ "LICENSE" ], "links": { "page": "https://useaiblocks.com/agents/borrowing-base-evidence-reviewer", "markdown": "https://useaiblocks.com/agents/borrowing-base-evidence-reviewer.md", "json": "https://useaiblocks.com/agents/borrowing-base-evidence-reviewer.json", "instructions": "https://useaiblocks.com/skills/borrowing-base-evidence-reviewer/SKILL.md", "download": "https://useaiblocks.com/skills/borrowing-base-evidence-reviewer.zip", "api_item": "https://useaiblocks.com/api/v1/items/borrowing-base-evidence-reviewer", "api_document": "https://useaiblocks.com/api/v1/documents/agent/borrowing-base-evidence-reviewer", "mcp": "https://useaiblocks.com/mcp" } }