Borrowing-base models and filings your credit facility can run on
For lenders funding through warehouse lines and asset-backed facilities: AlgoSolution builds the borrowing-base model, the reporting around it, and the data infrastructure underneath — and can run the recurring filings for you: bi-weekly borrowing base plus monthly covenants and financial statements.
From credit agreement to filed certificate — and every cycle after
Built and run in production for a Canadian fintech consumer lender — alongside the provision model that has withstood six annual audit cycles — with bi-weekly filings delivered on the facility's calendar.
Borrowing Base & Eligibility
A warehouse or asset-backed facility advances against eligible collateral — and getting eligibility wrong either understates availability or breaches the agreement. AlgoSolution encodes eligibility rules, advance rates, concentration limits, and excess-collateral logic directly against your loan tape, regenerated from source data so each result is reproducible rather than spreadsheet folklore.
Deliverables: a borrowing-base model, the eligibility and advance-rate logic, and the warehouse/ETL that regenerates it from source.
Liquidity & Funding Forecasts
Treasury needs to see availability before it disappears. AlgoSolution projects availability and headroom forward — how the borrowing base, draws, and covenants evolve under realistic portfolio scenarios — and plans draw and paydown timing from your actual cashflow patterns, so the facility is used efficiently rather than reactively.
Deliverables: availability and headroom forecasts, covenant-headroom scenarios, and a draw/paydown plan.
Lender Reporting & Filings
Facilities require certificates and covenant reporting on a fixed calendar, and a missed or mis-stated filing is expensive. AlgoSolution builds lender-ready borrowing-base certificates and covenant and financial-statement packages — every figure tracing to identifiable credits — and can run the recurring bi-weekly filings and monthly covenants as a managed service on the facility's calendar.
Deliverables: borrowing-base certificates and covenant packages, and recurring filings prepared, reconciled, and delivered on schedule.
The same loan tape, twice the value
The loan-level platform that produces your borrowing-base filings is the same one that drives ECL and provisions. If you carry the allowance problem too, the companion specialist application starts from the same tape.
Explore credit-risk & provision modelingRelated capabilities. This specialist application combines Financial Modeling, Data Engineering, Business Analytics and Data Science & AI from AlgoSolution’s broader practice around one set of lender requirements.