Service
Debt & Amortization Modeling
Most companies model their debt from memory of the loan, not the loan. The covenant that surprises management never surprised the documents.
The work
What the work actually is.
Debt schedules that match the loan documents, and covenant headroom watched before it is news.
The loan agreement specifies rates, reset dates, amortization mechanics, prepayment penalties, and covenants, each defined precisely, in writing, at closing. The company’s model, where one exists, specifies a monthly payment. Every unpleasant phone call from a lender lives in the space between those two documents.
The work closes the space. Schedules built from the agreements themselves: every facility, every reset, every covenant computed the way the document defines it, then wired into the operating rhythm, so headroom is a line in the monthly close rather than a discovery in a bad quarter. A covenant watched from a distance of two quarters is a conversation; watched from a distance of two weeks, it is an event.
The payoffs are practical. Refinance timing evaluated on arithmetic instead of instinct. Prepayment penalties weighed against stated rate scenarios. The hard conversation held with the lender early, from preparation. Lenders extend the most patience to the borrowers who saw it coming.
Deliverables
What you keep.
- Debt schedule
- Every facility modeled from its documents: rates, resets, amortization, prepayment mechanics.
- Covenant monitor
- Each covenant computed as the agreement defines it, with headroom tracked in the monthly rhythm.
- Refinance & payoff scenarios
- Hold, refinance, or retire: the timing question answered under stated rate assumptions.
Getting started
A documents-versus-model audit: every facility’s actual terms extracted from the agreements and compared against what the company believes it owes. Differences listed, in writing.
The practice
The rest of Finance & CFO Advisory.
- Finance & CFO Advisory overview
- Thirteen-Week Cash Flow A direct-method cash forecast, maintained weekly: foresight as a working instrument.
- Investor Materials & Data Rooms The deck and the data room behind it: narrative and numbers that agree under questioning.
- SBA Loan Packaging A 7(a) file an underwriter can say yes to: coverage reality, equity injection, the lender’s read anticipated.
- Cap Table & Scenario Modeling The ownership record kept clean, and the dilution conversations moved from someday to the calendar.
- Receivables & Working Capital AR aging as a cash lever: collection cadence, terms discipline, the working-capital cycle measured.
- Cost Reduction & Spend Analysis Spend taken apart line by line: vendor consolidation, renewals negotiated, the recurring-spend audit.
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