Construction Financing Model
Size a construction facility and create a monthly debt draw, interest and maturity schedule.
- Editable formulas and assumptions
- Base and downside cases
- Model-specific reconciliation checks
- Loan sizing, debt service and lender outputs
Updated 27 September 2026. The screenshots are generated from the actual workbook. Illustrative defaults must be replaced and independently reviewed for live decisions.
From assumptions to an auditable investment case.
A lender-oriented construction debt model. Commitment is constrained by LTV, LTC, DSCR and debt yield, then drawn monthly against eligible costs with explicit interest, fees and balloon repayment.
How to use it
- Read the ReadMe and Checks sheets before changing inputs.
- Enter eligible project costs, collateral value, lender sizing limits, draw duration, loan term, interest and fees.
- Review the Debt schedule and Lender sheets for commitment, draws, interest, principal repayment and the maturity balloon.
- Compare the base and downside cases and review the Sensitivity sheet.
- Review each check against its stated expected result, then independently verify assumptions and formulas before using the dashboard.
Worksheets included
Built for the full deal team
Quality controls
The Checks sheet reconciles the debt roll-forward and maturity principal, checks that commitment is not overdrawn, and reviews the dashboard IRR calculation. Interest is equity-funded; capitalised interest reserves are excluded.
Questions about the Construction Financing Model
What does the Construction Financing Model calculate?
A lender-oriented construction debt model. Commitment is constrained by LTV, LTC, DSCR and debt yield, then drawn monthly against eligible costs with explicit interest, fees and balloon repayment.
What is included in the download?
An editable .xlsx workbook with Dashboard, Assumptions, Debt schedule, Lender, Sensitivity, Checks, ReadMe worksheets.
Does the price include professional use?
Yes. The workbook licence covers internal and client analysis for one organisation, without a subscription. Reselling or redistributing the template is excluded.
Does the workbook contain macros?
No. Calculations use visible spreadsheet formulas and the file contains no VBA.
How do I enter my assumptions?
Enter eligible project costs, collateral value, lender sizing limits, draw duration, loan term, interest and fees. Input cells are visually distinguished from formulas; follow the ReadMe instructions.
Can I test a downside case?
Yes. Use the base/downside case selector and review the workbook’s Sensitivity sheet. The available assumptions depend on the model.
Which quality controls are included?
The Checks sheet reconciles the debt roll-forward and maturity principal, checks that commitment is not overdrawn, and reviews the dashboard IRR calculation. Interest is equity-funded; capitalised interest reserves are excluded.
Can I rely on the default assumptions?
Defaults are illustrative, not current market evidence. Replace and independently verify them for every live transaction.
Which Excel version is recommended?
Use a current desktop release of Microsoft Excel. LibreOffice may format or calculate some financial functions differently.
Which version will I receive?
Your order confirmation provides the purchased workbook, currently v1.3, updated 27 September 2026.