Construction Financing Calculator

Model interest during construction (IDC) and drawdown schedules

Enter construction loan details

Technology (for defaults)

Total CAPEX (EUR)

Construction Period (months)

Equity Contribution (%)

Debt facility: €75.00M

Drawdown Profile

Base Rate (%)

Construction Margin (bps)

All-in rate: 5.75%

Commitment Fee (bps)

On undrawn commitment

Total IDC

€3.33M

3.3% of CAPEX

Peak Exposure

€78.33M

Maximum debt balance

Commitment Fees

€396k

On undrawn amounts

Effective Rate

5.57%

Annualized

IDC Savings vs Bullet Drawdown

Sculpted drawdown saves €3.14M (48.6%)

Bullet IDC

€6.47M

Cumulative drawn vs undrawn over construction period

Detailed drawdown and interest accrual

Month	Monthly Draw	Cumulative Drawn	Interest	Commit. Fee	Debt Balance	Cumulative IDC
1	€876k	€876k	€2k	€46k	€879k	€2k
2	€638k	€1.51M	€6k	€46k	€1.52M	€8k
3	€1.09M	€2.60M	€10k	€45k	€2.62M	€18k
4	€1.82M	€4.42M	€17k	€44k	€4.45M	€35k
5	€2.96M	€7.38M	€28k	€42k	€7.45M	€63k
6	€4.61M	€12.00M	€47k	€39k	€12.11M	€110k
7	€6.70M	€18.70M	€74k	€35k	€18.88M	€184k
8	€8.83M	€27.53M	€112k	€30k	€27.82M	€296k
9	€10.23M	€37.75M	€158k	€23k	€38.21M	€453k
10	€10.23M	€47.98M	€208k	€17k	€48.64M	€661k
11	€8.83M	€56.81M	€254k	€11k	€57.72M	€915k
12	€6.70M	€63.51M	€293k	€7k	€64.72M	€1.21M
13	€4.61M	€68.12M	€321k	€4k	€69.65M	€1.53M
14	€2.96M	€71.09M	€341k	€2k	€72.96M	€1.87M
15	€1.82M	€72.90M	€354k	€1k	€75.13M	€2.22M
16	€1.09M	€73.99M	€363k	€631	€76.58M	€2.59M
17	€638k	€74.63M	€368k	€232	€77.58M	€2.95M
18	€371k	€75.00M	€373k	€0	€78.33M	€3.33M
Total	€75.00M	-	€3.33M	€396k	€78.33M	€3.33M

Methodology