Loan Business Financial Models

Lending and credit financial models

Model where the money comes from, where it goes and what the lender earns.

A practical collection of editable Excel models for loan origination, brokerage, portfolio cash flow, credit facilities, amortization, defaults, securitization, lending platforms and investor returns.

lending models Loan and portfolio views Repayment and return logic Fully editable Excel files
Fully editable filesNo hidden formulas, locked tabs or black-box lending logic.
Immediate accessDownload the bundle after purchase and receive a link by email.
Loan to portfolio viewsWork from individual payment schedules through consolidated portfolios.
Lender-focused outputsConnect funding, collections, losses and fees to cash flow and returns.

Explore everything included

Search all models or filter the collection by lending businesses, portfolio and securitization analysis, and individual loan or rate tools.

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Follow the lending economics from origination to exit

Choose the model closest to your lending structure, then configure volume, terms, funding, credit performance and monetization around the actual strategy.

Originate

Set loan volume and terms

Model borrower counts, principal, rates, fees, maturities, collateral and underwriting assumptions.

Collect

Forecast servicing cash flow

Calculate interest, principal, amortization, balloon payments, servicing fees and outstanding balances.

Stress

Test credit performance

Evaluate defaults, recoveries, prepayments, rate changes and timing across loans or a portfolio.

Finance

Structure funding and exits

Connect lender equity, a credit facility, securitization or loan sales to liquidity and investor returns.

This bundle is a strong fit if...

You originate, finance, broker or invest in loans and need several ways to model credit cash flows.

You compare direct lending, fee-based, platform and securitization structures.
You need loan-level schedules plus portfolio, funding and return analysis.
You want reusable frameworks for a lender, fund, brokerage or P2P platform.

An individual model may be enough if...

You need one narrowly defined loan calculator or lending structure and will not use the broader collection.

You need only one amortization, mortgage or interest-rate tool.
Your strategy already matches one listed lending template closely.
You can review the individual model links above before choosing the full bundle.

Connect lending activity to capital and returns

See the transaction from every important layer.

The models help turn loan terms and borrower activity into lender cash flow, funding requirements, portfolio risk and investor-level outcomes.

Borrower termsPrincipal, rates, fees, amortization, maturity and repayment timing.
Lender economicsInterest income, origination fees, operating costs and net cash flow.
Funding structureEquity, credit-facility draws, borrowing costs and liquidity needs.
Portfolio and exitDefaults, prepayments, securitization, loan sales and investor returns.

Frequently asked questions

The practical details about selecting, adapting and using the lending models.

Can I buy individual models instead?

Yes. Every template in the catalog links to its individual model page. The bundle is best for buyers who expect to use several lending, portfolio or financing structures.

Which models fit a credit-facility and securitization strategy?

The General Lending Business can provide the operating forecast, while the Loan Securitization Platform or single-deal Loan Securitization model can address the financing and exit layer. The exact combination depends on whether you are modeling a company, a platform or one pool of loans.

Can the models handle defaults and prepayments?

Several portfolio and lending models include credit-performance assumptions, but features vary. Review each model page to confirm the level of default, recovery, prepayment and cohort detail you need.

Are amortization schedules included?

Yes. The bundle includes stand-alone amortization schedules along with broader business and portfolio models that forecast principal, interest and outstanding balances.

Are the spreadsheets fully editable?

Yes. Formulas and tabs are visible and editable so you can change terms, trace the logic and adapt the framework to the actual lending strategy.

How is the bundle delivered?

The files are downloadable after purchase. You will also receive an email with a download link, which is helpful when purchasing on a mobile device.

One-time purchase

Get the complete Lending and Credit Model Bundle.

Download all models and connect loan terms, portfolio performance, funding and exits in a more complete lending analysis.

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$199

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