Collateral Services, Inc
Collateral Services, Inc

BBC Certification

Collateral Services Inc. supports lenders and borrowers with streamlined Borrowing Base Certificate (BBC) compilation. Whether your process is fully manual, partially automated or inconsistent from borrower to borrower, CSI ensures eligibility rules are applied accurately and results are delivered in a consistent, review-ready format.

We help eliminate the back-and-forth, reduce turnaround time and give you confidence in the numbers that drive your advance decisions. If your borrowers struggle with formatting, timing or definitions, CSI bridges the gap with custom logic, clear documentation and human support.

Industry and Asset Types

Our BBC Certification service is ideal for:

  • Asset-based loans across manufacturing, distribution, services and wholesale
  • Borrowers with inventory and receivable collateral
  • Lending relationships that require monthly or periodic BBC submissions
  • Scenarios involving ineligible collateral, complex eligibility tiers or multi-entity submissions

Common Challenges Solved:

  • Borrowers submitting incomplete or inconsistently formatted BBCs
  • Difficulty applying or enforcing lender-specific eligibility rules
  • Mismatched calculations across AR, AP and inventory inputs
  • Lack of documentation to explain eligibility breakdowns
  • Borrowers using spreadsheets with formulas that break or don’t align with expectations

    Benefits:

    • Standardized, lender-aligned BBCs with clear eligibility criteria
    • Consistent output across borrowers and reporting periods
    • Time savings for both lenders and borrowers
    • Increased confidence in eligibility and collateral value
    • Ability to work directly with borrowers on file formatting and compliance

    Process Breakdown

    File Intake

    Borrowers submit daily, weekly or monthly AR, AP and Inventory files in Excel, CSV, tab-delimited, Non-Scanned PDF, Text ….or other supported formats.

    Agreement Customization

    CSI aligns reports to your unique loan agreements, applying eligibility requirements that fits your criteria.

    BBC Compilation

    We apply custom logic to compile the BBC, flag ineligible collateral and summarize availability based on your structure.

    Support & Follow-up

    CSI can coordinate directly with borrowers (if authorized) to clarify definitions, request revised data or ensure consistency period to period.

    Output

    Solutions

    • Fully compiled Borrowing Base Certificate (Excel or PDF)
    • Eligibility breakdowns by collateral type and aging bucket
    • Summary of ineligible amounts with reasons
    • Trend comparison to prior periods
    • Inventory valuation summaries and AR aging context