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Documents and templates

Use editable planning documents with completed examples, field instructions, and evidence requirements.

Templates help a financing team preserve evidence and reconcile work across people. Their value comes from the decisions they organize, not from filling every cell. Begin with a blank copy, understand the schema and use the completed hypothetical sample to check interpretation. These files provide starting structures for an evidence ledger and a phased funding budget; they do not independently verify facts, enforce access controls or obtain lender acceptance.

How should blanks and status fields be interpreted?

A blank is unresolved information, not a zero amount or an affirmative answer. Use explicit statuses for facts checked, documents submitted, lender questions and conditional funding. Do not overwrite an unresolved issue simply to produce a complete-looking schedule.

When should a template be revised?

Revise it when the transaction’s decision or evidence changes. Preserve the prior version and identify dependent calculations or submissions. Add fields that clarify the actual process, while avoiding redundant sensitive information that belongs in controlled source documents.

A path through this collection

  1. Connect each claim to evidence

    Assign stable claim identifiers and preserve source version, location, period and interpretation. Separate human checking from lender acceptance so each status has a clear meaning.

  2. Reconcile the funding schedule

    List sources and uses using one consistent gross-or-net presentation. Balance the total and each phase, including prior deposits and conditional future advances, then test timing within those phases.

  3. Integrate the files into active work

    Connect open evidence issues to the request log and updated funding need. Assign an owner and next action for each unresolved item, and distribute revisions through a controlled process.

What you should have when you finish
  • A working copy with definitions understood and unresolved inputs clearly identified.
  • A completed sample checked against its original evidence or hypothetical assumptions.
  • Version ownership, update responsibilities and appropriate controls for private transaction data.
24 planned resources · 24 draft resources available
templateFoundation

A financing request brief that separates the ask from the evidence

Editable financing brief with blank and completed examples covering the loan request, usable proceeds, equity, timing, repayment and unresolved conditions.

Prepare borrower
templateFoundation

Sponsor experience and owned real estate: a schedule of roles and obligations

Prepare an editable REO and experience schedule that distinguishes property totals, ownership shares, actual sponsor roles and guaranty obligations.

Prepare borrower
templateFoundation

Map ownership, signing authority and guarantor obligations separately

An editable relationship map distinguishes economic ownership, management authority and proposed credit support, with a completed hypothetical entity diagram.

Prepare borrower
templateFoundation

Reconcile tenant receivables without confusing deposits with rent

Editable tenant-period roll-forward ties billed rent, credits, cash applied and closing receivables to evidence and flags unexplained differences.

Prepare borrower
templateFoundation

Maintain an adjustment register that preserves the original operating statement

Editable normalization schedule records signed NOI changes, acceptance status and offset cash uses, with a control that prevents capital reclassification from hiding cash needs.

Prepare borrower
templateFoundation

A lender evidence ledger that separates facts from acceptance

An editable evidence ledger with a completed example, source-level fields and a process for resolving conflicting lender submission data.

Prepare borrower
templateIntermediate

Carry one NOI starting point into separate lender cash-flow definitions

An editable definition bridge shows how the same normalized NOI can become different underwriting numerators and separates reserve expense from actual reserve deposits.

Underwrite credit
templateIntermediate

A financing sources-and-uses schedule that balances by phase

Build an editable financing budget that reconciles deposits, closing funds, future advances and sponsor equity without counting the same dollar twice.

Underwrite credit
templateIntermediate

Separate debt balances, commitments and maturity obligations in one schedule

Editable facility-level debt schedule tracks funded principal, undrawn commitments, maturity balances, payoff additions and extension conditions without duplicating collateral debt.

Underwrite credit
templateIntermediate

Show which cash remains available after closing and competing commitments

Editable liquidity bridge distinguishes gross account values, valuation haircuts, restrictions, closing equity and other cash commitments, preserving shortfalls.

Underwrite credit
templateIntermediate

Explain a credit exception without implying that a mitigant erases it

Editable exception memo separates the policy departure, measured impact, proposed mitigants, remaining risk and actual decision authority.

Underwrite credit
templateIntermediate

Turn a downside model into a funded contingency decision

Editable scenario memo connects stressed cash flow, refinancing proceeds, required uses and available equity to a dated decision and responsible owner.

Underwrite credit
templateIntermediate

Build a lender-offer matrix with one consistent funding definition

Editable comparison matrix normalizes closing proceeds, fees, reserves and annual service while preserving proposal status and unresolved conditions.

Place debt
templateIntermediate

Turn an ambiguous term sheet into specific questions with decision consequences

Editable unresolved-terms register links exact language, competing interpretations, cash impact and the evidence needed to close each question.

Place debt
templateIntermediate

Track lender information responses by evidence version and recipient

Editable request tracker connects a lender question to its answer, supporting version, delivery record and remaining acceptance status.

Place debt
templateIntermediate

Assign report scope, reliance and review before ordering third-party work

Editable report matrix separates engagement, subject property, intended use, information dependencies, delivery and lender review responsibilities.

Place debt
templateIntermediate

Track funding conditions by clearance evidence and dependencies

Editable closing-condition tracker separates delivery from clearance, records decision authority and shows how one unresolved item can block funding.

Place debt
templateIntermediate

Reconcile a construction draw to approved work, retainage and budget changes

Editable draw register distinguishes approved changes, completed eligible work, retainage, prior funding and the current request, with a hypothetical pending change order.

Place debt
templateIntermediate

Build a loan-obligation calendar from the documents that actually apply

Editable covenant calendar records testing periods, delivery deadlines, event-driven consents, internal preparation dates and evidence of completion.

Manage loan
templateIntermediate

Support a reserve release without requesting the same cost twice

Editable release schedule ties eligible costs to invoices, prior reimbursements and other funding, then reconciles the request with the reserve balance and conditions.

Manage loan
templateIntermediate

Reconcile operating cash and trapped cash without losing transfers

Editable account reconciliation separates external payments from transfers into reserves and cash-collateral accounts and flags a bank-balance discrepancy.

Manage loan
templateIntermediate

Assemble an annual lender package with consistent periods and versions

Editable reporting index records each required file, reporting basis, reconciliation checks, certification and delivery status, with a completed hypothetical package.

Manage loan
templateIntermediate

Work backward from maturity using decisions and evidence milestones

Editable maturity schedule ties contractual dates, financing evidence, equity decisions and fallback actions to named owners and completion criteria.

Manage loan
templateIntermediate

Prepare a workout package that connects the request to a credible repayment path

Editable information package records the requested change, current financial condition, accessible support, repayment milestones and unresolved risks.

Manage loan

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