Hire an AI asset-backed credit line checker

Everything it can hand back

Your task sets the actual outputs. The specialist picks the methods that cover them.

• A receivables line: aging less ineligibles and concentration excess, times the advance rate, less the reserve
• An inventory line: the lowest of the cost-based, appraisal-based and sublimit amounts, less the reserve, with the limit that applied named
• Availability: both lines added, capped at your commitment, less drawn loan, letters of credit and blocks. It is signed, so a negative shows as an overadvance
• A comparison with your draft certificate, each difference explained or flagged
• Every MISSING item, and any check that could not run

How it does the job well

• Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.
• Show the calculation, inputs and period for every figure.
• Label actuals, estimates and forecasts clearly.
• Send tax, legal and regulatory questions to a qualified professional.

Mistakes it avoids

• Mixing cash and accrual figures, or different periods, in one comparison.
• Rounding or formula errors that do not tie back to totals.
• Giving personal investment advice.

What a good result looks like

An example, not your task: Month end is close and you are preparing the borrowing base certificate for your lender.

• RECEIVABLES. Aging less ineligibles and concentration excess, times the advance rate, less the reserve.
• INVENTORY. The lowest of the cost, appraisal and sublimit amounts, less the reserve, naming the limit that applied.
• AVAILABILITY. The borrowing base capped at your commitment, less loan, letters of credit and blocks. A negative shows as an overadvance.
• YOUR DRAFT. Each difference from your draft certificate, explained or flagged.
• SOURCES. Each input with its source, date and unit.
• MISSING. Each gap and the line it stops, plus any check that could not run.

How the work is checked

• The aging total ties to its control total, and no invoice is excluded twice.
• Receivables and inventory use the same certificate date. Cost and appraisal cover the same items, and any item with no appraisal is listed.
• The inventory line names the limit that applied: cost, appraisal or sublimit.
• Every reserve and usage deduction appears once.
• States which checks passed, failed or could not run, and names missing inputs.

These checks have not been run against a model yet. Your AI uses them to check its own work.

Capabilities

• Receivables borrowing base builder. Ties your aging to its control total, takes off ineligible invoices and concentration excess, applies the advance rate, then takes off the reserve. Hands step 2 a net receivables figure and the reserve it used. Check before moving on, the aging total equals your books and no invoice is excluded twice.
• Inventory borrowing base builder. Uses the same certificate date. Works out the advance on cost and on appraisal separately, applies any sublimit, takes the lowest, then takes off the reserve. Hands step 3 a net inventory figure, the limit that applied and any item with no appraisal. Check before moving on, cost and appraisal cover the same items.
• Revolver availability checker. Adds the two net figures, caps them at your commitment, and subtracts drawn loan, letters of credit and other blocks. Returns signed availability and an overadvance line if it is negative. Check before moving on, no reserve appears twice and every draw condition is listed.

How the role works

1. Checks your task, context and available tools.
2. Picks the methods needed and prepares a work plan.
3. Carries out supported tasks, with each method's limits and review gates.
4. Checks the real deliverables and corrects supported faults.
5. Hands back files, evidence and unresolved gaps.

Your specialist's working setup

Download the base specialist without a task form or account. README.md and SETUP.md explain how to use the folder. SOUL.md defines its scope. INTAKE.md asks missing questions inside your AI. PLAYBOOK.md, SKILLS.md, BEST_PRACTICES.md, CHECKS.md and HANDOFF.md guide the work and its checked deliverables.

Complete associated skills, supporting files and licences are included. Choose only the methods needed for the actual task. Keep context, working files and accepted feedback in your AI project.

Use this specialist through MCP or the API

Call prepare_specialist with role_id reconcile-an-asset-based-revolver-certificate only. No task is required to load it. Your AI asks what job you need done, what you want back and which relevant context it can use.

For task-led hiring, call find_specialist, explain the suggested specialists and let the user accept or change the team.

Complete ZIP: Download base specialist. API: GET /api/v1/specialists/reconcile-an-asset-based-revolver-certificate/pack. The host AI supplies its own model, tools and execution; a pack does not connect accounts or run a task.

Inputs and helpful context

The specialist starts from the task brief. Only active methods require their inputs.

For the primary method, when used

• Your receivables aging at the certificate date, with the total that ties to your books (from your accounting system)
• The ineligible receivables, grouped by reason, and any customer above its concentration cap (the definitions are in your credit agreement)
• Inventory at cost, and the latest appraisal's net orderly liquidation value for the same items and date (from the appraisal report)
• The advance rates, any inventory sublimit, the lender's reserves and your commitment (from the credit agreement and the lender's latest notices)
• The loan drawn, letters of credit outstanding and any other blocks, at the same date (from the lender's statement)
• Your draft certificate, to compare against (optional)
• The certificate date, the currency and the scale, such as thousands

Helpful context (optional)

• The credit agreement's definitions of ineligible receivables and eligible inventory, copied as written.
• The latest appraisal report, so the appraisal line is not a guess.
• A named reviewer who knows the agreement and will sign.

Tools and access

• A spreadsheet engine and file-capable AI: Builds, recalculates and reopens the workbook, so you can click into each formula. In plain chat it returns the same tables as text.
• Your accounting system's aging export: Gives the aging total that must tie to your books before anything else counts.
• Claude, ChatGPT or Gemini: Any of them can do these sums in a chat.
• An AI that can make spreadsheet files: It can build the workbook, recalculate it and check that it reopens.
• Node.js 20 or later (optional): Runs the small script that comes with the skill, for a second check of the numbers.
• Claude, ChatGPT or Gemini: It does the arithmetic and shows each line, so you can check it against your records.
• A spreadsheet app and an AI that can make files: Builds, recalculates and reopens the workbook version of the calculation.
• Node.js 20 or later (optional): Runs the small calculator in the pack on your own figures.
• Claude, ChatGPT or Gemini: Any of them can do these sums in a chat and show each step.

Functions and deliverables

• Asset-backed credit line checker: Share receivable and stock records, loan terms and debt usage. Get a borrowing-base schedule, credit-line limit and open draw conditions.
  • A receivables line: aging less ineligibles and concentration excess, times the advance rate, less the reserve
  • An inventory line: the lowest of the cost-based, appraisal-based and sublimit amounts, less the reserve, with the limit that applied named
  • Availability: both lines added, capped at your commitment, less drawn loan, letters of credit and blocks. It is signed, so a negative shows as an overadvance
  • A comparison with your draft certificate, each difference explained or flagged
  • Every MISSING item, and any check that could not run
• Customer invoice borrowing limit calculator: Share invoice balances and loan rules. Check eligible debts, excluded amounts and the advance after reserves.
  • Eligible receivables after the deductions
  • The advance before reserves, at your advance rate
  • The net advance after reserves
  • A clear flag if the aging and the ledger do not tie, or the deductions overlap
  • A list of missing facts and checks it could not run
  • A small workbook with the same sums, if your AI can make files
• Inventory borrowing limit calculator: Share eligible stock, appraisal values and loan terms. Check borrowing limits and the cap that binds.
  • The limit based on cost and the limit based on appraised value
  • The lowest limit, after the category cap, before reserves
  • The net advance after reserves, never below zero
  • Which limit binds
  • A note on the appraisal date and on any valuation assumption nobody has supported
  • A list of every input marked MISSING and every check that could not run
  • A workbook version of the same lines, if your AI can make files
• Revolving credit availability checker: Share borrowing bases, loan limits and current use. Check remaining capacity and any amount above the limit.
  • The borrowing base: receivables advance plus inventory advance
  • Capacity: the lower of the borrowing base and the commitment
  • Usage: drawn loans plus letters of credit plus other blocks
  • Availability, or an overadvance if usage is above capacity
  • A list of missing facts and checks that could not run
  • A small workbook with the same sums, if your AI can make files
• me.md builder: Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.
  • One me.md file with up to ten dated sections
  • A list of facts taken from memory, for you to check
  • A short note of what it removed for privacy
  • The two next steps, to save it and set it up

Tasks you can use it for

• Month end is close and you are preparing the borrowing base certificate for your lender.
• Your draft certificate shows more availability than your own sheet, and you cannot find the gap.
• A new appraisal or a field exam changed the inventory value or a reserve, and you need the whole line re-run.
• A new controller wants every figure traced to the aging report and the credit agreement before anyone signs.

Limits to check before starting

• You only need one line, such as receivables. Use the Customer invoice borrowing limit calculator on its own.
• You want to know what the revolver costs in interest and fees. Use the Revolving loan interest and fee checker.
• You want a certificate to send to your lender. This checks the arithmetic and tracing. A person who knows the agreement must review and sign the real one.
• Your receivables and inventory are as of different dates, or you don't have the agreement's definitions. It stops those lines instead of guessing.

Best way to use this role

Give it one clear outcome, the actual files and a definition of done. Keep the work in one AI project so it can reuse checked context and earlier files.

• Download the workflow pack and give it to an AI that can read files, such as Claude, ChatGPT or Gemini. For a workbook, use one that can create spreadsheets.
• Attach the aging report, the inventory and appraisal reports and the lender's statement. Paste the advance rates, caps, reserves and commitment from your credit agreement. State the certificate date once, at the top.
• After step 1, check that the aging total matches your books and that no invoice sits in two ineligible groups.
• After step 2, check that the date matches step 1 and that the limit it says applied (cost, appraisal or sublimit) is the one you expected.
• After step 3, check each reserve comes off once. If availability is negative, treat it as an overadvance to raise with your lender.
• Fill every MISSING line. Send nothing to your lender until a person who knows the agreement has reviewed and signed it.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/reconcile-an-asset-based-revolver-certificate for its role instructions and pinned sources.

This is a prepared AI role. No task has run. Your AI carries out authorized work using its available tools and reports the actual deliverables and checks.