Launch Tool

High-level acquisition and funding screening.

Use this tool for a fast premium first-pass on retail property transactions: effective cap rate, ICR or DSCR, LTV, debt service, equity contribution, and funding visibility.

Purpose of the app

The objective is not to replace a full credit model. It is to accelerate the commercial conversation, highlight deal pressure points early, and create cleaner lender-ready thinking before deeper underwriting begins.

Interactive model

Retail Property Finance App

Adjust the assumptions below and the outputs will update live.

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Purchase price (R)

Loan amount (R)

Annual NOI (R)

Interest rate (%)

Repayment type

Loan term (years)

Equity contribution (R)

Primary covenant metric

Use this tool for high-level commercial screening. Detailed credit analysis, leases, capex, escalations, vacancies, and tax effects should still be assessed separately in the full model.

Scenario Workspace

Instant commercial outputs.

Interest-only profile

NOIR 18.4mYield 9.95%

ICR1.45xInterest-only

LTV67.0%Current scenario

Monthly Debt ServiceR 1.06mDebt load

How to read this

Coverage is currently showing ICR against annual interest cost, which is often the key hurdle for interest-only facilities.

Decision Support

Effective cap rate9.95%
Equity %33.0%
Annual surplus / shortfallR 5.70m
Funding gapR 0.00