Reserve-Based Lending Advisory: Maximise Your Borrowing Base

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Reserve-Based Lending Advisory for Oil and Gas Producers

Reserve-based lending advisory helps oil and gas producers raise, size and refinance RBL facilities, from preparing the reserves package and borrowing base model to running the lender process and negotiating terms.

Financely acts as advisor and arranger on the borrower's side. We do not lend. For background on how these facilities work, see our guide to how upstream companies finance drilling.

Borrowing base estimator

Lenders size an RBL against the discounted value of reserves, giving most weight to proved developed producing (PDP) volumes. Adjust the illustrative inputs below.

Indicative borrowing base

USD 150m

Illustrative only. Actual sizing depends on each bank's price deck, coverage tests, hedging and redetermination terms.

What we deliver

Reserves and data package

Coordination of the independent reserves report, production history, cost data and licence documents into a lender-ready data room.

Borrowing base model

Cash flow and sizing model under lender price decks, with sensitivities on prices, production and capex.

Lender process

Approach to RBL banks and, where useful, private credit, prepayment and offtake-backed alternatives.

Terms and redeterminations

Negotiation of advance rates, hedging, coverage covenants and redetermination mechanics, plus support at each review.

Who it is for

Independent oil and gas producers with producing assets, refinancing an existing RBL, funding development drilling or an acquisition, or facing a borrowing base reduction. Producers with export contracts may also combine an RBL with pre-export and borrowing base trade facilities.

Raising or refinancing an RBL?

Share your assets, latest reserves report, production and current facilities. We will assess borrowing capacity and set out a lender strategy.

Frequently asked questions

What does a reserve-based lending advisor do?

An RBL advisor prepares the reserves and financial package, models the borrowing base, runs the process with banks and alternative lenders, and negotiates terms such as advance rates, hedging requirements, covenants and redetermination mechanics.

When should a producer appoint an RBL advisor?

Before a new facility, an acquisition, a refinancing, or ahead of a redetermination where a reduction in the borrowing base is likely.

Can smaller producers access reserve-based lending?

Yes, though bank appetite for smaller borrowers varies. Where banks are selective, private credit funds, term loans and prepayment structures can fill the gap.

Is Financely a lender?

No. Financely is an advisor and arranger. The borrower signs directly with the lenders.

This page is for general information only and does not constitute legal, tax or investment advice. The estimator is illustrative and is not an offer or indication of terms. Financely is an advisory and arranging firm, not a lender or broker-dealer. Any financing is subject to the lender's underwriting, due diligence, credit approval, documentation and conditions precedent, and no outcome or timeline is guaranteed.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

Trade Finance

Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.

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Project Finance

Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

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Acquisitions

Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

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For Banks

Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.

Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.