Imagine you trade crude oil or grain and face sudden margin calls when prices swing. How do you free up cash without selling inventory at a loss? A borrowing base facility could be the solution. It lets you borrow against eligible inventory and receivables, adjusting your line as your collateral moves. But what exactly goes into structuring one and is it right for your business?
A borrowing base sets a maximum credit line equal to a percentage of your approved assets. For example, a lender may advance up to 70 percent of the net realizable value of crude oil stock and 80 percent of confirmed export receivables. As you purchase, sell or invoice, your available borrowing capacity rises and falls—offering flexible liquidity tied directly to your trading cycle.
For instance, Trader A holds 10,000 barrels of Bonny Light crude valued at $60 per barrel. At a 70 percent advance rate, the facility would permit a draw of $420,000. After selling half the barrels, the borrowing base adjusts downward to match the remaining stock.
Ask yourself: do I need revolving liquidity that follows my trading volumes? Can I commit to monthly reporting and physical collateral inspections? If yes, a borrowing base facility may offer the flexibility and cost efficiency to grow your trading business without losing control of your assets.
Want to explore a borrowing base facility tailored to your commodity flows? Submit your deal and our team will craft a structure and quote—usually within two business days.
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All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
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Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
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