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The phrase "availability of collateral" is correct and usable in written English.
It can be used in financial or legal contexts when discussing the presence or accessibility of assets that can be pledged as security for a loan or obligation.
Example: "The bank will assess the availability of collateral before approving the loan application."
Alternatives: "accessibility of collateral" or "presence of collateral".
Exact(3)
The availability of collateral can reduce the asymmetric information between borrowers and lenders (Chan and Kanatas 1985).
The formal sector's appetite for collateral-backed finance was reflected in both the OLS and quantile regression, as availability of collateral was shown to have a positive and significant effect on the loan amount.
In particular, the risk of industrial R&D is caused by the high probability that the project will fail and by the limited availability of collateral for innovative small- and medium-sized enterprises (SMEs) with a high concentration of intangible assets.
Similar(56)
** "The PCL-R had its origins in a criminal milieu because of the high prevalence of psychopathy in criminals and the ready availability of the collateral information required for reliable and valid assessments.
Second, access to external funding sources is hindered by the lower availability of explicit guarantees (collateral) and implicit guarantees (cash flow expected from the project) for small innovative firms compared to traditional firms.
The limitation of our strategy is that the availability of intrahepatic venous collaterals is uncertain.
Wang (2004) asserts that SMEs in China are forced to patronize private loan sharks and informal financing channels primarily due to availability of loans and flexibility in the collateral provision to meet urgent business commitments.
They use the excuse of collateral damage".
Lack of collateral was invariably the reason.
"There's a lot of collateral damage".
"The amount of collateral damage is huge.
More suggestions(2)
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com