Commercial property decisions · Development

Draws, interest, delay: what the project really needs

Put phase spending, equity and loan draws in the months they occur. The interest table shows what drawn debt costs, where cash runs short and what a delay adds.

No account neededCalculates on your deviceYour figures, your assumptions
Project constructionLocal knowledge. A clearer decision.

What to bring: phase budgets, dated draw and equity plans, loan terms, carrying costs and expected completion.

Your assumptions

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Project timing

Phase amounts are your quoted or estimated spending, not a cost library.

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The decision, in numbers

Scenario A

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Your assumptions

Scenario A

InputValueSource / date
Project typecommercialNot supplied · Undated
Project startsUnknownNot supplied · Undated
Expected completion monthUnknownNot supplied · Undated
Additional delay monthsUnknownNot supplied · Undated
Monthly carrying costsUnknownNot supplied · Undated
Contract-specific annual cost escalation (%)UnknownNot supplied · Undated
Monthly phase / funding scheduleUnknownNot supplied · Undated
Loan commitment limitUnknownNot supplied · Undated
Annual construction-loan rate (%)UnknownNot supplied · Undated
Initial loan feesUnknownNot supplied · Undated
Annual fee on undrawn commitment (%)UnknownNot supplied · Undated
Interest fundingcashNot supplied · Undated
Contingency reserveUnknownNot supplied · Undated
Contingency expected to be usedUnknownNot supplied · Undated
Exit modulenoneNot supplied · Undated

A simplified monthly funding model, not a lender draw approval, cost forecast, development recommendation or approval prediction. Confirm actual interest conventions and draw timing.

Calculation version 2026-09-19.1 · Maintained by Tim M. Clarke Team · Reference review 2026-09-19.

OCC: commercial property finance

Transparent, editable assumptions

What goes into Scenario A

Use your entered assumptions and inspect the reconciliation and monthly schedule. Each result uses the same versioned calculation as your export.

These labels stay with your downloaded scenario. Choose “From a document” only when your own document supports the value.

Project typecommercial
Project startsUnknown
Expected completion monthUnknown
Additional delay monthsUnknown
Monthly carrying costsUnknown
Contract-specific annual cost escalation (%)Unknown
Monthly phase / funding scheduleUnknown
Loan commitment limitUnknown
Annual construction-loan rate (%)Unknown
Initial loan feesUnknown
Annual fee on undrawn commitment (%)Unknown
Interest fundingcash
Contingency reserveUnknown
Contingency expected to be usedUnknown
Exit modulenone