There are all kinds of ways to enter the money lending business game. You can get into loan securitization, be a facilitator of loans that captures fees from activity (P2P or P2B or what have you). There is also the investor participant of a P2P platform that lends money out to borrowers. Or, you may want to originate your own loans through a money lending business via flat fees or traditional P+i loans. All of these things can be modeled out with the templates in this bundle. This is the most pure form of making money with money.
Loan Amortization & Cash Flow Tracking
- Basic Amortization Schedules: Standard templates that let you calculate principal and interest payments over time, handle grace periods or balloon payments, and track outstanding loan balances.
- Multi-Loan Schedules: More advanced versions that handle multiple loans simultaneously, allowing for consolidated reporting and analysis of overall cash flows and balances.
- Direct Lending Fund Templates: These are tailored for individuals or funds engaged in private or direct lending operations, including loan origination, managing interest/principal repayments, and fee tracking.
- Underwriting/Term Sheets: Some templates guide users through setting appropriate terms (rates, fees, collateral) and highlight expected returns.
- Portfolio Consolidation: Templates for analyzing a group of loans as a single portfolio, calculating combined cash flows, IRR, and profit/loss over time.
- Scenario Analysis & Stress Tests: Tools that allow you to adjust default rates, prepayment assumptions, or interest rate changes to see how a portfolio might perform under different economic conditions.
- Short-Term / Bridging Loans: Models that incorporate short maturities, higher interest rates, and the payoff at maturity or property sale (common in real estate or bridging scenarios).
- Forecast Modules: Some templates include monthly or annual forecasts that incorporate growth assumptions, operating expenses, and loan performance expectations.
- Cash Flow Waterfall: For structured deals or securitizations, a detailed waterfall shows how collections are split among different stakeholders or tranches.
- P2P Aggregation Models: Designed to track multiple borrowers under a marketplace lending structure, consolidating interest income, default assumptions, and overall portfolio metrics.
- Investor ROI Calculations: Focus on returns to investors participating in a P2P platform, factoring in origination fees, servicing fees, and potential default losses.
- Interactive Dashboards: Many models are built with user-friendly layouts, offering at-a-glance KPIs (key performance indicators), charts, and summaries for quick decision-making.
- Input Sensitivity Toggles: Easy-to-use input areas that let you quickly tweak interest rates, default probabilities, or borrower fees to see real-time impacts on cash flow and returns.
Who Might Use These Templates
- Individual Private Lenders or “Hard Money” Lenders looking to formalize their loan tracking and interest calculations.
- Small/Mid-Sized Lending Firms needing multi-loan portfolio analytics and robust forecasts.
- Peer-to-Peer Platforms to manage multiple investors/borrowers in one place.
- Real Estate Investors/Flippers requiring short-term financing models with balloon payments or interest-only periods.
In essence, this library serves as a one-stop shop for Excel/Google Sheets templates covering a wide spectrum of lending activities—from basic amortization schedules to sophisticated portfolio analytics, P2P lending platforms, and specialized financing structures. Each template aims to streamline the financial analysis process, making it easier for lenders, investors, and borrowers to manage their loan portfolios and forecast returns accurately.
