What is an ABL revolver unused-line fee and how does it relate to availability?
Allowed source-print URLs on this site do not print an unused-line (commitment) fee rate or payment cadence. What they do print is why borrowing-base availability can be smaller than a plant expected: OCC ineligible aging, OCC advance-rate band, BofA monthly borrowing-base reports, and ABL Advisor progress-billings discomfort.
Last updated: August 27, 2026
What does OCC print on ineligible aging and advance rates?
The OCC Comptroller's Handbook on Asset-Based Lending prints: "an account is considered ineligible collateral when it is past due by three times the terms, e.g., 90 days for 30-day terms and 21 days for seven-day terms." It also prints: "Common advance rates range from 70 percent to 85 percent of eligible accounts receivable."
What does Bank of America print on borrowing-base reporting?
Bank of America Business Capital prints: "you will typically need to provide monthly reports updating the status of your borrowing base—the collateral on which a credit facility depends."
What does ABL Advisor print on construction AR?
ABL Advisor prints: "most working capital providers do not lend to the construction industry because of the nature of accounts receivable activity (i.e. progress billings)."
Related topics
- Before binding an ABL revolver, which AR lines are ineligible?
- Borrowing base certificate monthly compliance
- Cash dominion lockbox vs availability trigger