The debt decision library
Calculators and workspaces
Test financing assumptions with transparent calculations and ungated, exportable results.
Use a calculator to examine a clearly defined financing question, then carry its assumptions and limitations into the decision. A precise result cannot repair an unsupported input. The tools in this path connect loan sizing, cash availability, construction interest and maturity gaps; each addresses a different part of the financing problem. Work through the relevant method before entering a live transaction, and retain an input snapshot so the result can be reproduced.
What evidence should support a tool input?
Identify the source, period, unit and status of each material figure. Separate sponsor estimates from lender-accepted values. When a value is uncertain, run a range and label the scenarios instead of presenting a single output as an approved financing amount.
Why should tools be used in sequence?
A sized loan is not necessarily the amount funded at closing, and funded debt is not necessarily usable cash. A construction schedule changes interest and balances over time. The maturity test then asks whether the exit can repay the resulting obligation.
A path through this collection
Size and identify the controlling test
Enter consistent annual cash flow, value and financing assumptions. Read all calculated limits and the binding constraint; retain the calculation convention beside the final amount.
Reconcile funding and carrying cost
Translate the commitment into initial usable cash and conditional advances. For a construction request, model draw timing and interest treatment rather than charging every period on the full commitment by default.
Stress the repayment outcome
Vary the stated exit assumptions and compare net new financing with the payoff requirement. Review which constraint changes and how that affects the additional cash needed.
What you should have when you finish
- A saved input set with dates, units and assumption sources.
- A result reproduced by the published method or a separate calculation.
- An explanation of what the tool leaves unresolved and the evidence needed before acting.
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