timveroOS for ABL: Eligibility, NOLV, and Exams, Done Right

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.

Request a Demo

Get our free TIMVERO product guide

1

Stages

End-to-End ABL Lifecycle, Built for Control and Compliance

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 quote

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

Participants and Collateral → Data & Documents → Flows → ABL Products

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.

3

Technology

Why timveroOS is the ABL Platform Risk and Finance Agree On

Request a Demo

Native AR, inventory, and reserve objects replace spreadsheets and manual models. Eligibility and ineligibles run as explainable code, producing transparent BBCs with versioned inputs. Finance and risk teams see the same borrowing base, reducing rework and supporting regulator-ready explanations.

Transparent borrowing base math, versioned and explainable

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. Clean reconciliations ensure audit requirements are met while freeing ops teams from manual matching.

Lockbox and bank matching, automated and traceable

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. This prevents over-advances and strengthens collateral risk management without additional manual reviews.

Preventing over-advances with built-in alerts

AI that Protects Availability and Reduces Leakage

See it in action

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

Asset-based Lending
Segments We Serve

Banks & Credit Unions
(ABL Divisions)

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.

Specialist ABL
Lenders (NBFIs)

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.

Fintechs & Platforms
(Embedded ABL)

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

Proven Results from Banks,
NBFIs, and Platforms

In under a quarter, a Canadian mid-market bank migrated AR+inventory ABL from manual spreadsheets to timveroOS. Advance rates, reserves, and ineligibles were coded once, producing transparent BBCs and real-time availability. Exceptions dropped 25%, and funding speed improved.

“timveroOS gave us explainable borrowing bases and faster decisions without changing our credit policy.”

Daniel
Head of ABL, Canada

A German NBFI automated lockbox ingestion and reserve accounting with timveroOS. Daily sweeps, short-pay detection, and governed exceptions reduced leakage by 20% while keeping reconciliations audit-ready. Finance and ops now work from the same source of truth.

“Lockbox and NOLV controls let us scale without adding headcount.”.

Stefan
CTO, Germany

Within six months, a US-based lender deployed AI dilution forecasts and over-advance early warnings on timveroOS. Exam cycle times shortened by two weeks, and portfolio variance dropped measurably.

“AI-driven alerts gave us stability and cleaner exams, all in our own environment.”.

Javier
COO, USA

6

Solutions B2B

Solutions for any lending type

7

Framework-native

Framework-Native ABL Software: Assemble, Don’t Rent

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

Get a demo

Ready to see how timveroOS transforms asset-based lending?

Start a Pilot

Configure borrower onboarding, borrowing base, and monitoring flows in weeks, not quarters.

Request a Tech Demo

Get our free TIMVERO product guide