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Equipment-lease warehouse: ABF borrowing base
SAMPLE: fictional company, illustrative figures. Not a real borrower, deal or lender group.
Equipment-lease receivables, monthly borrowing base certificate.
One deal, end to end
Documents arrive; agents run without anyone starting them; people decide at each gate. Each stage links to its use case.
1. SCREEN
In: Originator deck, sample tape
Agents produce: Tape anomaly screen; eligibility profile
Human gate: Go / no-go
2. UNDERWRITE
In: Full tape, servicer reports
Agents produce: Roll rates, concentration and advance-rate sizing
Human gate: IC approves facility
3. CLOSE
In: Facility agreement
Agents produce: Eligibility and concentration rules loaded to the BBC engine
Human gate: Counsel signs off
4. MONITOR
In: Monthly BBC and tape
Agents produce: Recomputed availability with differences cited
Human gate: Ops approves the draw
Found: Certificate availability $6.2m; recomputed about $1.2m.
5. REPORT
In: BBC history
Agents produce: Availability and concentration trend for the lender report
Human gate: PM sign-off
- Each team re-reads and re-keys the same documentsDeal team → counsel → portfolio team → ops
- Hand-offs by email and spreadsheetContext lost at closing
- Documents land in the doc storeTrigger
- Shared extraction feeds every stageAutomated
- Stage outputs draftedAI draft, human review
- Gate decisions loggedHuman only
Supporting documents (SAMPLE inputs)
Facility agreement excerpt
“Eligible Receivable means a Receivable that (a) is not more than 60 days past due, (b) is not a Defaulted Receivable or a Restructured Receivable (any Receivable whose scheduled term has been extended by more than six months)… Excess Concentration Amount: the amount by which Eligible Receivables of any single Obligor exceed 2.0%, or of Obligors in the trucking and transportation industry exceed 35.0%, of all Eligible Receivables. Advance Rate: 85%.”
Warehouse facility agreement, §1.01 (SAMPLE).
Borrowing base certificate
| Borrowing base certificate, 30 Sep 2026 (SAMPLE) | $m |
|---|---|
| Aggregate receivables balance | 182.40 |
| Less 60+ days past due | (4.10) |
| Less defaulted | (1.30) |
| Less obligor concentration excess | (1.55) |
| Less missing title documents | (3.45) |
| Eligible receivables | 172.00 |
| Borrowing base at 85% | 146.20 |
| Advances outstanding | 140.00 |
| Availability | 6.20 |
Receivables tape fields
| Tape field (SAMPLE, 4,812 rows) | Example row |
|---|---|
| lease_id | EQ-031177 |
| obligor_id | OB-2290 |
| industry | Trucking and transportation |
| orig_term_months / current_term_months | 48 / 60 |
| days_past_due | 12 |
| discounted_balance | 61,420.18 |
Next step
Use cases that run on this pack
Not investment advice. Fictional company; any resemblance to a real business is unintended.