Tracking Loans & Terms

Effective debt management is crucial for project profitability. Use the Loan Tracker to monitor principal balances, interest rates, maturity dates, and payment statuses for all your deals in one place.

Prerequisites

• A Deal must already be created before attaching a loan.
• You must be an Operator with edit permissions on the deal.

Adding a New Loan

1. Navigate to the Loans tab within a specific Deal dashboard and click + Add Loan.

2. Lender Information Select an existing lender from your CRM or create a new one inline.

   • Lender Name: The entity providing the capital.
   • Loan Type: Acquisition, Construction, or Refinance.

3. Loan Terms — see sections below for full detail.

4. Save Loan Click Save Loan. The system generates a projected payment schedule based on your terms.

Amortization Structures

Fund Flow supports four amortization structures to match how lenders actually structure debt.

Fully Amortized

Each monthly payment covers both accrued interest and a portion of principal, calculated so the balance reaches zero on the maturity date. This is standard for conventional residential-style loans on commercial assets.

Interest Only

Payments consist entirely of accrued interest — principal is not reduced during the loan term. The full principal balance remains outstanding until maturity. Common in bridge loans and construction financing.

Balloon

Payments follow an amortization schedule for a set period, but the remaining principal balance becomes due in a single lump sum at maturity. Used when a refinance or sale is expected before full payoff.

Flat (Fixed Payment)

A fixed dollar payment is made each period regardless of outstanding balance. This structure is sometimes used for mezzanine debt or preferred equity with a fixed return rate.

Loan Terms Configuration

Principal & Rate

Enter the Loan Amount (Principal) and the Interest Rate (Annual %). For variable-rate loans, record the initial rate and update it when adjustments occur.

Dates

• Origination Date: When funds were received or the loan closed.
• Maturity Date: When the loan is due in full.

The system calculates the remaining term and flags loans approaching maturity within 90 days.

Origination Fees

Record fees charged at origination to accurately model deal-level returns:

• Points: A percentage of the loan amount (e.g., 1 point = 1% of principal). Charged as a cost to the borrower at close.
• Flat Fee: A fixed dollar amount charged at origination regardless of loan size.

Both fee types appear in deal-level fee summaries and factor into total cost of capital calculations.

Late Fee Configuration

Define how late fees accrue when payments are missed:

Late fees appear as separate line items in the payment ledger and are tracked independently from principal and interest.

Payment Status Tracking

Each loan displays a real-time payment status based on the current date relative to the payment schedule:

The Loans list view uses color-coded status badges so you can triage your entire portfolio at a glance.

Investor Consent Workflow

For loans on deals with multiple investors, material loan modifications (rate changes, extensions, additional draws) may require investor consent. The consent workflow tracks approvals without requiring external tools.

1. Initiate a Loan Modification from the loan detail page.
2. The system sends a consent request to all linked investors via the investor portal.
3. Each investor can Accept or Reject from their portal. Responses update the loan's consent status in real time.
4. Once all required consents are collected, the modification is applied.

Portfolio Metrics

The Loans main dashboard (accessible from the sidebar) aggregates across all deals:

• Total Outstanding Principal: Sum of all unpaid principal balances.
• Weighted Average Interest Rate: Blended rate across the entire loan portfolio.
• Loans Maturing in 90 Days: Count and dollar amount of upcoming maturities.
• Overdue Payment Count: Number of loans with missed payments requiring attention.

Use portfolio metrics to proactively manage refinance timelines and capital reserve requirements.

Loan Templates

Save commonly used loan structures as templates to speed up data entry on future deals.

1. After configuring a loan, click Save as Template from the loan detail menu.
2. Give the template a name (e.g., "Standard Bridge Loan — 12mo IO").
3. When adding a new loan, click Load from Template to pre-fill all fields.

Templates store amortization type, rate, fee structure, and late fee configuration — only the lender, amount, and dates need to be entered fresh.