capital construction and servicing workspaces · Advanced
Cash-sweep waterfall simulator
Calculate operating payments trapped cash and potential distributions. Includes user-defined priority waterfall across cash-management states.
Your assumptions
Illustrative starting values. Replace them with your own evidence. Inputs stay in this browser.
Your scenario, explained
Results
Calculation assumptions
Version 1.0.0 · Educational scenario, subject to the stated assumptions.
How this calculation works
Method and assumptions
After debt service, capex and reserves, sweep the selected fraction of positive remaining cash when the selected trigger is active. Release no more than the restricted account balance. Track retained cash, distributions and operating shortfalls separately.
Worked example
The default $50,000 monthly cash flow less $30,000 debt service, $5,000 capex and $2,000 reserves leaves $13,000. An active 50% sweep retains $6,500 and permits $6,500 distributions each month. Over 12 months with no releases, $78,000 is swept, $78,000 is distributed and the opening $100,000 sweep account grows to $178,000.
Before using the result
Know the boundaries
- Educational scenario, not a quote, commitment, approval, appraisal or payoff statement.
- Defaults and thresholds are editable illustrations; the executed documents and lender underwriting control.
- Simplified priority order and constant monthly inputs. Actual lockbox/sweep definitions, lookback periods, cure rights and release approvals control.
Method references
Discuss your financing with Jaken Finance Group ↗Keep working through the decision
Related resources
Operating accounts and permitted borrower distributions
Reconcile bank cash, committed operating needs and document restrictions before approving a property-owner distribution.
Case: Lender cash sweep begins while the property remains solvent
Reconcile operating cash with blocked investor distributions. Includes hypothetical sweep trigger and operating cash waterfall.
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.