Credit Facility Structuring Calculator

Model the economics of corporate credit facilities — term loans, revolving credit facilities (RCF), and capex/acquisition facilities. Calculate all-in cost of funds for the borrower and return on assets for the lender, including arrangement fees, commitment fees, and utilization dynamics.

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Scope & reliance — All calculations use simplified deterministic models for illustrative purposes. Actual facility economics depend on credit agreement terms, accounting treatment, and lender-specific credit pricing. Verify against your facility documentation and adviser before making decisions. Deterministic · no inference · zero PII · CC BY 4.0.

Facility Parameters

Facility Type

Facility Amount ($M)

Currency

Tenor (years)

Margin over Benchmark (bps)

Benchmark Rate (% pa)

Arrangement Fee (bps of facility)

Commitment Fee on Undrawn (bps pa)

Lender Cost of Funds (% pa)

Facility Summary

Borrower & Lender Economics

Fee & Cost Breakdown (pa, $M)

Component	Rate / Basis	Annual Cost ($M)	% of Facility

Payment Schedule

Rate Sensitivity — All-In Cost at ±50bps Benchmark Movement

Benchmark Scenario	Benchmark Rate	All-In Rate (Borrower)	Delta vs Base

Market Benchmark Reference

IG Corporate · Margin 80–200 bps

Leveraged / Sub-IG · Margin 250–600 bps

SOFR (Jun 2026 est.) · ~4.25–4.50%

EURIBOR (Jun 2026 est.) · ~3.25–3.50%

SONIA (Jun 2026 est.) · ~4.75–5.00%

Arrangement Fee · Typical 50–150 bps

Commitment Fee · Typical 30–50% of margin