pcm_featured_1600x800 | eFinancialModels

Commercial Real Estate Properties, Debt Fund, Loans & Lending Businesses, Real Estate

Dashboard, Debt Service Coverage, Excel, Financial Debt, Loans

What it does

Enter each loan once on the Loan Tape. The model tests every loan against its covenants each period, flags maturities and thin interest reserves, and rolls everything up to a ranked watchlist and a one-page dashboard you can drop into a monthly monitoring pack.

Inside the workbook

Settings: as-of date, current index rate (e.g. Term SOFR), default minimum DSCR, maximum LTV, minimum debt yield, maturity warning window, reserve warning, watch rating.
Loan Tape: up to 40 loans; fixed or floating (index, floor, spread); IO or amortizing; commitment vs funded; appraised value, trailing NOI, interest reserve, risk rating; loan-level covenant overrides. Coupon, debt service, DSCR, LTV, debt yield, days to maturity, reserve months left and unfunded commitment calculate automatically.
Covenant Tests: pass/fail per loan for six tests, with Pass / Monitor / Watchlist status. Land and other non-income loans can switch off the DSCR and debt-yield tests.
Interest Projection: 12-month interest by loan, split into reserve-funded and cash-pay.
Watchlist: every flagged loan, most flags first, built with standard formulas (no macros, no FILTER), so it works in Excel 2016+ and Google Sheets.
Dashboard: loans, commitments, funded and unfunded balance, weighted average coupon / LTV / DSCR, flagged count, watchlist balance, maturities in window, 12-month interest, exposure by property type, maturity ladder by year, and three charts.

Who it is for

Debt fund and bridge lender analysts, family offices with a loan book, and credit committees that need a clean monthly view of covenant compliance and maturities.

Files and notes

One .xlsx file. Yellow cells are inputs, grey cells are formulas. Ships with 10 fictional sample loans so every output is populated on open. Built with AI assistance and checked for formula errors. This is a monitoring template, not investment, credit or legal advice.

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