Kreditutrymme

Kreditutrymme, or available credit, is a financial term that describes the amount of unused borrowing capacity within existing credit arrangements granted to a borrower. It represents how much more the borrower can draw without renegotiating or obtaining new facilities.

The metric is typically calculated as the total committed credit facilities minus the amount already drawn, and it may also reflect unsettled commitments such as letters of credit or other guarantees that reduce usable capacity. In practice, the available credit is the sum of undrawn portions across facilities, adjusted for any explicit reductions required by covenants, collateral requirements, or risk limits.

Kreditutrymme is important for liquidity planning and risk management. It indicates how much financing flexibility a company or individual has to respond to cash flow fluctuations, funding needs, or short-term investments. Lenders often monitor available credit as part of credit risk assessment, as a shrinking credit space can signal higher refinancing risk or tighter financial conditions.

In corporate reporting and analysis, kreditutrymme is usually an internal or management metric rather than a standard line item on financial statements. It can be affected by changes in credit quality, interest rates, covenant compliance, and the terms of existing facilities. The concept is also used in personal finance to describe the remaining credit limit on a credit card or revolving loan facility, reflecting how much more a borrower can borrow before reaching the limit.

Note that the exact definition and calculation can vary by jurisdiction, lender, and facility type, so users should refer to specific loan agreements and covenants for precise figures.