Build your ABL stack on the timveroOS Building Platform instead of building from scratch. Assemble borrower onboarding, collateral ingestion, borrowing base, funding, and field exams as configurable building blocks.
timveroOS models AR, inventory, reserves, and ineligibles natively, with reconciliation and covenant monitoring built in. You get full control of deployment, predictable TCO, and transparent audit trails.
Tell us the ABL facility you want to see: AR-backed, inventory-backed, or blended, with your own eligibility, NOLV, and reserve logic. We tailor the demo bench to your exact case.
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Asset-based lending only works if eligibility, borrowing base math, reconciliations, and exams run without gaps. timveroOS connects borrowers, collateral, and policies natively, so every facility is transparent, auditable, and compliant by design.
Get a QuoteKYB/KYC checks, UCC filings, and dominion or lockbox terms are captured upfront with audit-ready documentation. Facility structures (AR, inventory, or blended) are defined with limits, covenants, advance rates, reserves, and ineligibles set as policy-driven code. Approval chains, reporting cadences, and role permissions are embedded into workflows. Every action, override, and document is versioned and logged, reducing rework, eliminating spreadsheet dependency, and supporting compliance from day one.
Accounts receivable agings, invoices, credit memos, and payments are ingested automatically, with dilution, contra, and dispute detection built in. Inventory feeds import balances, SKUs, locations, and WIP, with NOLV haircuts applied consistently. Eligibility and concentration rules (debtor, SKU, or geography) execute as code with governed overrides when required. All inputs and versions are persisted for committee review, regulator traceability, and internal audit trails.
The borrowing base engine computes availability using reserves, participations, and concentration limits, producing transparent BBCs on demand. Explanation packs break down how headroom changed and why, highlighting ineligible shifts and reserve movements. Once approvals flow through governance, funding triggers and updates borrower portals. GL postings, fee and interest accruals, and daily sweeps reconcile automatically with bank and lockbox data.
Covenant tracking covers minimum availability, dilution caps, and inventory turns, generating real-time alerts before thresholds break. Exceptions, disputes, and past-dues are routed into governed workflows with full audit trails. Field exams are scheduled digitally, with sampling, variance checks, and roll-forward reconciliations aligned to book and physical counts. Standardized exam workpapers and variance reports shorten cycle times.
Asset-based lending does not fit standard installment schemas. Facilities run on receivables and inventory that move daily, on borrowers with guarantors and collateral holders, and on covenants that need continuous monitoring, not a one-time check at origination. Specialist ABL lenders and bank ABL divisions hit the same architectural ceiling.
Receivables agings, NOLV haircuts, reserves, and ineligibles do not map onto a one-borrower-per-loan data model. The result is spreadsheets bolted onto a loan record, not native borrowing base logic.
Concentration limits, borrowing base certificates, dilution caps, and field exam triggers should run as monitored code, not as manual workflows attached to a generic LMS.
Bank ABL divisions cannot accept “your compliance is in our config.” Regulators want transparent decision logic and audit trails, not a vendor black box.
Lockbox, ERP, WMS, appraisal, and NOLV systems integrate at the architectural level, not through a fixed vendor connector list.
Eligibility calculations, NOLV monitoring, borrowing base updates, and field exams run as building blocks on the Building Platform. Risk and finance agree on the same transparent logic. You configure facility structures, advance rates, reserves, and covenants your portfolio needs, then deploy in your own environment with full data ownership, accelerated by timveroAI.
Native AR, inventory, and reserve objects replace spreadsheets. Eligibility and ineligibles run as explainable code, producing transparent BBCs with versioned inputs. Finance and risk see the same borrowing base, supporting regulator-ready explanations.
timveroOS ingests lockbox and bank files automatically, matching remittances to AR line items. Daily sweeps, short-pay detection, and governed exception workflows reduce leakage and write-offs.
Appraisals and haircuts apply consistently across SKUs and locations. Concentration limits by debtor, SKU, or geography run in real time, while dashboards track inventory turns and shrinkage.
timveroAI is the AI acceleration layer for the timveroOS Building Platform. It is a controlled, RAG-grounded implementation agent built on Claude Code, trained on the Building Platform’s source code and past deployments. You describe an ABL requirement in plain language: a new facility type, an eligibility rule, a covenant. timveroAI asks clarifying questions like a senior product owner, then composes the building blocks: entities, state machines, the borrowing base logic, GL posting, and integrations. The output is production-grade configuration on trusted infrastructure, not a prototype.
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A controlled implementation agent built on Claude Code, trained on the timveroOS source code and past deployments. timveroAI composes building blocks from the same SDK your engineers use, so configurations land in production-grade code, not a sandbox prototype.
Describe a facility type, an eligibility rule, or a covenant in plain language. timveroAI asks clarifying questions like a senior product owner, then composes entities, state machines, borrowing base logic, GL postings, and integrations.
Lean engineering teams launch an ABL product in 3 to 6 weeks instead of spending 18 to 24 months building borrowing base, reconciliation, and exam logic from scratch. The Building Platform already ships these building blocks; timveroAI composes them into your spec.
timveroAI does not make credit decisions and does not touch runtime portfolio data. It handles configuration and customization with your engineers reviewing and extending every output, so governance and accountability stay inside your team.
The timveroOS platform by TIMVERO models every ABL element: borrowers, debtors, guarantors, AR, inventory, appraisals, reserves, and participations. Documents and raw or featured data are captured natively, then composed into flows for onboarding, BBCs, funding, exams, and reconciliations, assembled into ABL products that run end-to-end in your environment.
The timveroOS platform applies AI where traditional ABL controls fall short. All models run in your environment, explainable, governed, and audit-ready. This is the Advanced Analytics layer, distinct from timveroAI: it works on your portfolio data to protect availability, while timveroAI accelerates configuration.
Dilution and DSO Forecasting
Models project dilution and days-sales-outstanding per debtor, so reserve and advance-rate decisions are forward-looking rather than reactive. Inputs and versions are persisted for committee review and audit traceability.
Inventory NOLV Predictor
Predicts true net orderly liquidation value across SKUs and locations, keeping inventory advances aligned to recoverable value. Haircuts apply consistently with explanation packs showing how the recommended NOLV was derived.
Ineligible and Fraud Anomaly Detection
Flags anomalous ineligibles, contra accounts, and remittance patterns before they distort the borrowing base. Anomalies route into governed exception workflows with full audit trails, not silent flags.
Over-Advance Early Warning
Triggers alerts as headroom tightens, giving risk and ops teams time to act before a facility breaches. Concentration limits by debtor, SKU, or geography run in real time alongside inventory turn and shrinkage dashboards.
A working-capital and asset-backed stack on the Building Platform combines SaaS time-to-live with custom-build architectural control. These lenders configured complex products on timveroOS without rebuilding the underlying lending logic each time.
“timveroOS gave us 10 to 12% of Salesforce’s TCO for a product they couldn’t even configure for our model. We automated origination and servicing end-to-end and reached market faster.”
Read the Cartiga Story Multi-country proactive credit launched in 7 months with 98% automation. The Building Platform let Finom configure a credit product across markets without rebuilding the lending logic each time.
Read the Finom Story Armenia, est. 1991. Guarantor lending launched in 6 months after three failed attempts with two other vendors. 8x faster origination than the legacy stack, with 95% automation across the lifecycle.
Read the AMIO StorySaaS loan management systems launch quickly but limit flexibility and audit depth. Custom builds offer control but come with long delivery cycles and high maintenance costs. The timveroOS Building Platform delivers all-in-one: faster deployment, reasonable costs, and full governance, with policies-as-code for eligibility, reserves, and collections logic that runs entirely in your environment.
NBFIs and specialty finance
Run blended AR and inventory facilities with daily sweeps, participations, and transparent availability reporting. Automate BBCs, lockbox reconciliations, and reserve accounting while keeping full data sovereignty. Field exam workflows, variance tracking, and over-advance alerts strengthen portfolio control, delivering scale without adding headcount. Configure new facility types on the Building Platform in weeks.
Regional and commercial banks
Stand up AR- and inventory-backed facilities with eligibility, ineligibles, reserves, and concentration rules as policy-driven code. timveroOS connects to ERP, WMS, banking, and lockbox systems, producing audit-ready BBCs and reconciliations. Risk and finance see the same borrowing base, accelerating funding decisions and reducing exam exceptions, with transparent decision logic that satisfies regulators.
Asset-based lending software manages facilities secured by accounts receivable and inventory. It handles collateral ingestion, eligibility and ineligibles, borrowing base calculation, funding, covenant monitoring, and field exams. timveroOS delivers these as building blocks on a Building Platform, so the borrowing base is transparent, versioned, and auditable in your own environment.
SaaS ABL tools lock eligibility and reserve logic inside a vendor configuration you cannot see or change at the architectural level. timveroOS is a lending solution built on a Building Platform: AR, inventory, reserves, and covenants are native building blocks you configure and extend through a standard Java/Spring Boot SDK, deployed in your environment with full data ownership.
Compliance in ABL depends on transparent eligibility logic, versioned borrowing base inputs, and complete audit trails. On the Building Platform, every eligibility rule, reserve, override, and exam workpaper is logged and explainable, so committees, auditors, and regulators can trace any availability calculation. Concentration limits and covenant tests run as monitored code, not spreadsheets.
The strongest ABL monitoring runs covenant tests, dilution caps, inventory turns, and over-advance alerts as continuous, native logic rather than periodic manual checks. timveroOS does this on the Building Platform, with real-time alerts before thresholds break and Advanced Analytics that forecasts dilution and NOLV, all governed and audit-ready in your environment.
Typical implementation is 3 to 6 weeks. The Building Platform already includes the borrowing base engine, reconciliation, and exam building blocks that would take 18 to 24 months to write from scratch. timveroAI composes them into your specific facility structures and eligibility rules, with your engineers reviewing and extending the configuration.
Both. Because timveroOS is built on a Building Platform you deploy and own, you can run it in your private cloud, a public cloud, or on-premises. Your configurations, data, and customizations remain your IP and travel with you. This matters for confidentiality-sensitive ABL and bank deployments.
timveroOS supports AR-backed, inventory-backed, and blended facilities, with guarantors, co-borrowers, multiple debtors, collateral holders, and participations modeled natively. Advance rates, reserves, ineligibles, and concentration limits are configured as building blocks on the Building Platform, so non-standard facility structures do not require custom workarounds.
timveroOS uses a tiered subscription aligned with your portfolio size, not per-user or per-loan fees. You pay for continuous access to the Building Platform, timveroAI implementation capacity, and platform updates. The cost stays predictable as your portfolio grows, and your configurations remain your IP.
Ready to see how eligibility, BBCs, NOLV, and field exams run natively in your environment?
Request a Demo$5.5B+ managed across 13+ countries. 3 to 6 weeks to go live.
