Separate cash, prepayment, bank support, entity support and personal support.
DEPOSIT · LOC · GUARANTEE · BURN-OFF · EVIDENCESupport the deal.
Support the deal.
Preserve the cash.
Build and compare the full commercial lease security package—not just “months of rent.” Price collateral, fees and opportunity cost; test landlord investment coverage; control every expiry, source and conditional reduction.
Model collateral funding, credits, releases and unresolved principal distinctly.
Carry issuance, instrument fees and opportunity cost across the exact term.
Connect each burn-off to a condition, evidence, approval, source and status.
DEVICE-LOCAL CREDIT SUPPORT WORKBENCH
Price the package. Control the evidence.
Compare nominal support, tenant liquidity, actual carrying cost, landlord investment coverage and burn-off controls without treating any entered scenario as legal advice or a credit conclusion.
Private by design: saved only in this browser. Use roles or entity names—not account numbers, signatures, personal financial statements or unnecessary personal information.
01 · OPTION COMPARISON
Face amount is not the whole deal.
02 · PACKAGE BASIS
Name the scenario and its horizon.
03 · INSTRUMENT STACK
Separate every promise and funding mechanism.
04 · BURN-OFF GATES
Reductions need conditions and proof.
05 · LANDLORD INVESTMENT
Build the exposure stack from evidence.
ItemCategoryAmountSource & status
06 · CASH, COLLATERAL & SUPPORT SCHEDULE
See the timing—not just the headline amount.
| Month | Face support | Reduction | Closing collateral | Funded | Released / credited | Fees | Opportunity cost | Economic cost |
|---|---|---|---|---|---|---|---|---|
| 1 | $945,000 | $0 | $157,500 | $157,500 | $0 | $919 | $788 | $11,706 |
| 12 | $945,000 | $0 | $157,500 | $0 | $0 | $919 | $788 | $1,706 |
| 24 | $945,000 | $0 | $157,500 | $0 | $0 | $919 | $788 | $1,706 |
| 36 | $945,000 | $0 | $157,500 | $0 | $0 | $919 | $788 | $1,706 |
| 37 | $735,000 | $210,000 | $105,000 | $0 | $52,500 | $613 | $525 | $1,138 |
| 48 | $735,000 | $0 | $105,000 | $0 | $0 | $613 | $525 | $1,138 |
| 60 | $735,000 | $0 | $105,000 | $0 | $0 | $613 | $525 | $1,138 |
| 72 | $420,000 | $0 | $105,000 | $0 | $0 | $613 | $525 | $1,138 |
| 84 | $420,000 | $0 | $105,000 | $0 | $0 | $613 | $525 | $1,138 |
| 96 | $420,000 | $0 | $105,000 | $0 | $0 | $613 | $525 | $1,138 |
| 108 | $420,000 | $0 | $105,000 | $0 | $0 | $613 | $525 | $1,138 |
| 120 | $420,000 | $0 | $0 | $0 | $105,000 | $613 | $525 | $1,138 |
Shows month 1, each year-end, every included burn-off month and the final month. Export CSV for the complete monthly evidence schedule.
MODEL BOUNDARIES
Arithmetic for a controlled conversation.
- All amounts are user-entered CAD scenarios before GST/HST, tax, accounting classification and legal interpretation.
- Face support is nominal arithmetic only. The model does not determine enforceability, collectability, draw rights, priority, insolvency treatment or actual recovery.
- Cash and collateral are separated from economic cost. Recoverable or creditable principal is modelled as liquidity released, while fees, issuance cost and opportunity cost remain economic cost.
- A burn-off changes the scenario only when Include in scenario is selected; its condition, evidence and approval remain separate controls.
- Landlord exposure is an entered deal-investment population, not a loss estimate or credit assessment.
- Present values use the entered 7.00% annual rate with monthly discounting.
IF SECURITY MAY BE APPLIED
Keep the instrument and arrears records connected.
Reconcile the underlying charge, application authority, approval and accounting entry before treating a deposit or letter-of-credit receipt as a reduction of arrears.
Put the security decision into the deal
- Research industrial space on IndustrialLeasing.ca
Warehouse, flex and distribution space research for Canadian industrial requirements.
- Commercial advisory at Commercially.ca
The advisory practice behind this tool, covering occupier and owner lease strategy.
- Work with a Calgary commercial advisor
When a local Calgary advisor is the logical next step on a live requirement.