ATLAS / DECISION TOOLS
Line-of-credit usage planner.
Model dated draws and repayments, daily interest, unused-limit fees and remaining debt on a business line of credit.
How this model works.
Dates use a start-inclusive, end-exclusive horizon. Same-day movements are netted before interest accrues on the closing principal; intraday order is not modelled.
Interest and unused-limit fees use actual days divided by 365. The flat facility fee is charged on the start date and each subsequent calendar month boundary.
Interest and fees are paid separately, not added to debt. Enter principal-only repayments. Contractual minimum repayment rules, rate changes and default charges are not modelled.
Questions about this tool
Why separate the limit from the balance?
The limit is the maximum available under your assumed facility. The drawn balance is principal outstanding; quoted fees may apply to either drawn or undrawn amounts.
Does this calculate minimum repayments?
No. You enter principal repayments and the model calculates assumed charges. A lender’s required payments may follow a different rule.