Your next real question is from Dave Rochester of Compass aim.
David Rochester — Compass Aim Analysis — Analyst
Hey, good early early early early morning dudes. Appreciate most of the color regarding the power while the restaurant publications. simply perhaps dig in a small bit much much much deeper|bit that is little}, had been simply wondering how long along you’re in that borrowing base redetermination procedure at this time? And then just on the restaurant book, if you’ve been able to do a full review of that book as well if you have a sense for where the new deck is, how much lines have contracted for those customers and. If you have actually an awareness for what amount of clients may no further be running at this stage and simply the way you project should always be for that if you assume several of those dudes return into company? Thanks.
John M. Turner — President and Ceo
Yes, Barb, do you wish to answer that concern?
Barbara Godin — Chief Credit Officer
Yes. For the power publications, our company is approximately one fourth of this means through the borrowing base redetermination for the period. Thus far we have seen that those borrowing bases, access is down about 12.5percent. Therefore we know that there is demonstrably some effects here. You should be through the remainder of your guide in the course of the month that is next thirty days and a half, so we can constantly offer more color at that time over time.
In the restaurant guide, we have additionally looked over each customer independently since there are not that many consumers. And on a regular basis, daily, weekly, monthly right now, make sure we have our handle on that so we were talking to them. We do see some continued stress on complete solution in specific when I stated quickservice is better. Nevertheless the full-service profile, that has got, when I stated, the impact that is most is actually due to the restaurants are closed. Therefore before the economy opens up, we will continue to see some pressure there and then we’re planning to continue steadily to see some losings here, albeit, we think they’ve been at extremely containable and manageable.
David Rochester — Compass Aim Analysis — Analyst
What exactly percentage of that guide would now be closed right? After which can you just back assume they come in the future in your reserving procedure?
Barbara Godin — Chief Credit Officer
Yes. I do not have the numbers that are exact are closed as of this moment, but in the restaurant guide, we’ve 3,600 clients as a whole. As well as it will be someplace, a percentage of that demonstrably. Plus in terms of close, it is difficult to count. Do I count each individual shop with regards to somebody who has got numerous devices and they have just closed 1 or 2, etc. to ensure becomes a small amount of a tricky reply to that concern. But yes, there are handful most likely when you look at the nature of 10 to 20 today.
John M. Turner — President and Ceo
Yes. The only thing we would include, simply type of point you to definitely our fall quantity — on webpage 23 i do believe. Barb states the — a majority of the casual dining profile represented by about 34 customers is over a $0.5 million — $0.5 billion in visibility. 21% of this profile happens to be criticized and therefore reflects our view for the danger for the reason that profile based upon what we know today.
David Rochester — Compass Aim Analysis — Analyst
Fine. Great. Thanks dudes.
John M. Turner — President and Ceo
Operator
Your question that is next is Stephen Scouten of Piper payday loans with no credit check in Elmwood Park Sandler.
John M. Turner — President and Ceo
Good morning, Steve.
Stephen Scouten — Piper Sandler — Analyst
Hey dudes. Morning good. We remind you dig in only a little much deeper perhaps into some of the effects from a few of the government programs, I’m sure it’s sorts of difficult to state, but — and regulatory relief. And maybe particularly regarding the repayment deferrals, you think those pan out maybe 90 or 180 days down the line, if those do become CDRs down the line if you have a percentage amount of your loans that are in deferrals currently, and how? Then because of the street that is main system in specific, exactly how might that impact your syndicated loan book and the ones people’s ability to type of borrow extra funds, if it is not refinanced yet?
John M. Turner — President and Ceo
Therefore perhaps we’ll work backwards. I do believe there’s lots of curiosity about the main road program that is lending. We’ve a group taking care of better comprehending the directions and just how it’s going to use. I do not understand we an actual feel that is good for what amount of clients can also be interested and exactly how which may affect our client base, but plainly certainly one of a wide range of programs that the federal government and/or Congress are making accessible to clients which is helpful as time passes. I cannot keep in mind the very very very very very very very first element of your concern now.
David J. Turner — Senior Executive Vice President, Chief Financial Officer
John M. Turner — President and Ceo
re re re re Payment deferrals. Therefore with this company clients so we’ve now provided about 4,000 deferrals, 3000 businesses that are small in regards to a 1,000 center market clients. So our approach there is certainly to take care of those clients for a basis that is case-by-case measure the ongoing FC of these company. And then we’ll typically grant them a deferral and in some instances that might be for up to six months, generally their 90 day deferrals interest only typically and then we revisit those at the end of that period if prior to the pandemic starting, they had a viable business and we’re — and doing well, or a good customer. But that is particular to clients who have been in good standing ahead of the pandemic start and they demonstrably seem to have everything we think to become a viable company following the pandemic, whenever this is certainly.
In the customer part, we’re generally deferrals that are offering ninety days to clients. At the conclusion of that 90 time duration we revisit where we’re and think about another 90 time deferral. The lender, that we service for others and about 13,000 deferrals of other consumer credit, whether it’d be credit cards, installment loans, home equity lines, etc, which is roughly a little less on the mortgage profile, a little less than $900 million which — and that is a $14.5 billion profile when we pointed out, we have provided 4,000 deferrals in our stability sheet — very very very very very own stability sheet home loan guide, another 12,000 deferrals for the profile — home loan profile. Making sure that’d provide some viewpoint.
