Asset-based lending software for borrowing base review
vishwa.ai checks each borrowing base certificate against the agings, applies your eligibility rules and advance rates, and flags overstated availability.
Documents received
- Borrowing base certificateSpread
- Accounts receivable agingSpread
- Accounts payable agingSpread
- Inventory reportSpread
- Monthly financial statementsSpread
- Business bank statementsSpread
Computed for the memo
Exceptions verified by our credit experts
Every figure links to its source line. Your credit team makes the decision.
Sample borrower: food distributor, monthly certificate
| Line item | Reported | Recalculated |
|---|---|---|
| Total accounts receivable | 8,420,0001 | 8,420,0002 |
| Over 90 days | (610,000)1 | (744,000)2 |
| Cross-aged accounts | 01 | (212,000)2 |
| Concentration above 25% | 01 | (318,000)3 |
| Eligible receivables | 7,810,000 | 7,146,000 |
| Advance rate | 85%3 | 85%3 |
| Availability | 6,638,500 | 6,074,100 |
| Outstanding on the line | 5,900,0004 | 5,900,0004 |
| Excess availability | 738,500 | 174,100 |
| Availability overstated on certificate | 564,400 |
Same rigor, a fraction of the time
With a full audit trail your auditors, examiners, and LPs can inspect.
- Faster deal closure
- 75%
- Reduce time from document intake to credit committee
- Accuracy with expert review
- 100%
- AI extracts, domain experts verify every output
- Audit trail coverage
- Full
- Every decision linked to source documents
The problem
Where borrowing base review loses time
How it works
How vishwa.ai automates it
The analysis
The numbers on the credit memo
Frequently asked questions
Still deciding? Talk to our team.
Can vishwa.ai automate borrowing base certificate review?
Yes. Vishwa AI reads the borrowing base certificate and the receivable and payable agings behind it, applies your eligibility rules and advance rates, recalculates availability, and flags every difference from what the borrower reported.
Does vishwa.ai apply our own eligibility criteria and advance rates?
Yes. Ineligibility rules, such as past-due, cross-aged, concentration, and affiliate receivables, and the advance rates are set per facility to match each loan agreement, then applied the same way every reporting period.
What happens when recalculated availability differs from the certificate?
The difference is flagged with the aging lines that cause it, so your analyst can resolve it with the borrower before the next advance instead of finding it at the field exam.
Which aging report formats does vishwa.ai read?
Accounting system exports, spreadsheets, PDFs, and scans. Customer-level balances and aging buckets are read into a standard layout, whatever system the borrower uses.
Is AI underwriting auditable and explainable?
Yes. Every figure links to the source document and the calculation behind it, so when an examiner, an auditor, or an LP asks how you got a number, you can show them in one click. Vishwa AI applies the same logic to every deal and keeps a complete audit trail, which is usually the part manual spreading cannot reproduce six months later.
How accurate is the extraction, and is there human review?
AI extracts, our experts verify, and your analysts review the exceptions. In practice that turns a multi-day spreading exercise into a quick validation, with people focused on the cases that need judgment rather than re-keying a T-12 into Excel.
Keep exploring
Related
Check a borrowing base certificate on a call
Bring a certificate and the aging behind it. We will apply your eligibility rules, recompute availability, and show every difference with its source line.
