Build your ABL stack with timveroOS instead of building from scratch.
Assemble borrower onboarding, collateral ingestion, borrowing base, funding, and field exams as configurable flows. 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.
Request a Tech Demo
Explore how eligibility, BBCs, and reconciliations run natively in your environment.
Get our free TIMVERO product guide
1
Stages
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.
KYB/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, ensuring that availability calculations are explainable and defensible under scrutiny.
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 seamlessly and updates borrower portals. GL postings, fee and interest accruals, and daily sweeps reconcile automatically with bank and lockbox data. This closes books cleanly, reduces leakage, and provides controllers with confidence that finance and risk remain aligned.
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. Lockbox and remittance reconciliations run daily, surfacing anomalies and trendlines for exam teams. Standardized exam workpapers and variance reports shorten cycle times and help ensure regulator and auditor expectations are consistently met.
2
Architecture
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, linking directly into configurable flows: onboarding, collateral ingestion, borrowing base computation, funding, monitoring, and field exams.
This architecture supports AR-only, inventory-only, or blended ABL facilities, as well as PO-to-ABL transitions. Every component is extensible in code and integrates seamlessly with ERP, WMS, banking, and lockbox systems, helping ensure compliance and maintaining control over your environment.
The timveroOS platform by TIMVERO applies AI where traditional ABL controls fall short. Models forecast dilution and DSO with precision, predict true inventory NOLV, and flag anomalous ineligibles or fraud patterns. Over-advance early warnings trigger before headroom disappears. All models run in your environment — explainable, governed, and fully audit-ready, cutting leakage, reducing rework, and strengthening portfolio performance.
Dilution & DSO forecasting
Inventory NOLV predictor
Ineligible & fraud anomaly detection
Over-advance early warning
4
We work with
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.
Run blended facilities with daily sweeps, participations, and transparent availability reporting. Automate BBCs, lockbox reconciliations, and reserve accounting while maintaining full data sovereignty. Field exam workflows, variance tracking, and over-advance alerts strengthen portfolio control, delivering scale without adding headcount.
Offer collateral-backed lines to SMBs and sellers with instant eligibility checks, availability previews, and borrower portals. Lockbox and ERP integrations provide clean reconciliations, while open APIs and SDKs let you iterate on products quickly, supporting compliance without waiting on vendor roadmaps.
5
Testimonials
6
Solutions B2B
7
Framework-native
With the timveroOS platform by TIMVERO, you build your ABL system in your own environment. Modules and SDKs model borrowers, collateral, and borrowing base rules as code. Policies are versioned, data stays yours, and releases run on your schedule, no per-seat fees, no hidden TCO traps.
8
Next steps
Ready to see how timveroOS transforms asset-based lending?
Configure borrower onboarding, borrowing base, and monitoring flows in weeks, not quarters.
Get our free TIMVERO product guide