Autonomous Corporate Debt, Refinancing & Capital Capacity Cockpit
Deterministic commercial loan underwriting engine for enterprise CFOs, business owners, and commercial borrowers. Autonomously tracks live NY Fed SOFR, WSJ Prime, SBA 7(a) ceilings, and evaluates the debt refinancing cliff penalty on middle-market balance sheets.
Prevailing Commercial Loan
SOFR + 3.25%
6.86%
Standard bank borrowing benchmark for middle-market credit facilities.
NY Fed SOFR (Secured Overnight)
LIVE NY FED
3.61%
Base floating rate replacement for legacy LIBOR across corporate debt.
Bank Prime Loan Rate
FRED DPRIME
7.50%
Base rate for commercial revolving lines and small business bank facilities.
SBA 7(a) Max Rate Ceiling
PRIME + 2.75%
10.25%
Statutory allowable interest rate ceiling for SBA 7(a) loans over $50,000.
Interactive Refinancing Cliff Cash Flow Drag Calculator
ANNUAL DRAG UNDERWRITER
Annual Pre-Tax Cash Flow Penalty
+$75,250 / year
Direct profit reduction caused strictly by the interest rate delta.
Monthly Operating Cash Squeeze
+$6,271 / month
EBITDA Required to Absorb Debt Repricing
$94,063 EBITDA
Assuming a minimum bank covenant compliance floor of 1.25x DSCR.
Middle-Market Borrowing Capacity Erosion Matrix (1.25x DSCR Floor, 7-Year Term)
| Annual EBITDA | Legacy Borrowing Capacity (3.85%) | Current Borrowing Capacity (6.86%) | EBITDA Borrowing Erosion ($) | Capacity Loss (%) |
|---|---|---|---|---|
| $500,000 EBITDA | $2,118,500 | $1,912,400 | -$206,100 | -9.7% |
| $1,000,000 EBITDA | $4,237,000 | $3,824,800 | -$412,200 | -9.7% |
| $5,000,000 EBITDA | $21,185,000 | $19,124,000 | -$2,061,000 | -9.7% |
| $10,000,000 EBITDA | $42,370,000 | $38,248,000 | -$4,122,000 | -9.7% |