General Amortization Schedule for Startups

Description
This spreadsheet features two distinct tabs tailored to different financing scenarios:

• Loan Amortization Tab: This tab is dedicated to a standard loan structure, featuring an initial borrowed amount with interest-only (I/O) payment options.
• Line of Credit & Term Loan Tab: This section provides tools for managing line of credit scenarios with the flexibility to transition into a regular term loan at some defined month in the future. It includes adjustable terms for amortization and the option for a balloon payment if the loan term is shorter than the amortization period.

The input fields at the top of each tab are dynamic, designed to accommodate common scenarios such as startup financing, acquisitions, or construction projects. Features include:

• Optional extra principal repayments with the choice to recast or not.
• Flexibility to set any starting and ending month for the loan, allowing for early termination with full repayment of the remaining principal.

These schedules are versatile enough to integrate seamlessly into your existing financial models or to be used as standalone tools. Each tab encapsulates all the necessary logic for one amortization schedule, ensuring easy importation without reference errors.


I have invested approximately 8 hours in developing this resource, leveraging over a decade of experience in creating models for leveraged situations. This is my definitive tool for financial modeling, designed to reliably meet diverse needs over time.