diff --git a/storagemarket/impl/providerstates/provider_states.go b/storagemarket/impl/providerstates/provider_states.go
index 0bc539ba1..8f4c125c7 100644
--- a/storagemarket/impl/providerstates/provider_states.go
+++ b/storagemarket/impl/providerstates/provider_states.go
@@ -111,7 +111,7 @@ func ValidateDealProposal(ctx fsm.Context, environment ProviderDealEnvironment,
 
 	// This doesn't guarantee that the client won't withdraw / lock those funds
 	// but it's a decent first filter
-	if clientMarketBalance.Available.LessThan(proposal.TotalStorageFee()) {
+	if clientMarketBalance.Available.LessThan(proposal.ClientBalanceRequirement()) {
 		return ctx.Trigger(storagemarket.ProviderEventDealRejected, xerrors.New("clientMarketBalance.Available too small"))
 	}
 
diff --git a/storagemarket/impl/providerstates/provider_states_test.go b/storagemarket/impl/providerstates/provider_states_test.go
index d87bec3c4..68606d9cd 100644
--- a/storagemarket/impl/providerstates/provider_states_test.go
+++ b/storagemarket/impl/providerstates/provider_states_test.go
@@ -117,7 +117,19 @@ func TestValidateDealProposal(t *testing.T) {
 		},
 		"Not enough funds": {
 			nodeParams: nodeParams{
-				ClientMarketBalance: abi.NewTokenAmount(150 * 10000),
+				ClientMarketBalance: big.NewInt(200*10000 - 1),
+			},
+			dealInspector: func(t *testing.T, deal storagemarket.MinerDeal, env *fakeEnvironment) {
+				tut.AssertDealState(t, storagemarket.StorageDealRejecting, deal.State)
+				require.Equal(t, "deal rejected: clientMarketBalance.Available too small", deal.Message)
+			},
+		},
+		"Not enough funds due to client collateral": {
+			nodeParams: nodeParams{
+				ClientMarketBalance: big.NewInt(200*10000 + 99),
+			},
+			dealParams: dealParams{
+				ClientCollateral: big.NewInt(100),
 			},
 			dealInspector: func(t *testing.T, deal storagemarket.MinerDeal, env *fakeEnvironment) {
 				tut.AssertDealState(t, storagemarket.StorageDealRejecting, deal.State)
@@ -968,6 +980,7 @@ type dealParams struct {
 	DataRef              *storagemarket.DataRef
 	StoragePricePerEpoch abi.TokenAmount
 	ProviderCollateral   abi.TokenAmount
+	ClientCollateral     abi.TokenAmount
 	PieceSize            abi.PaddedPieceSize
 	StartEpoch           abi.ChainEpoch
 	EndEpoch             abi.ChainEpoch
@@ -1081,6 +1094,9 @@ func makeExecutor(ctx context.Context,
 		if !dealParams.ProviderCollateral.Nil() {
 			proposal.ProviderCollateral = dealParams.ProviderCollateral
 		}
+		if !dealParams.ClientCollateral.Nil() {
+			proposal.ClientCollateral = dealParams.ClientCollateral
+		}
 		if dealParams.StartEpoch != abi.ChainEpoch(0) {
 			proposal.StartEpoch = dealParams.StartEpoch
 		}