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Calculators / Debt / LTC
FREE DEBT CALCULATOR

LTC Calculator

Measure loan commitment against eligible project cost.

Your assumptions

INDICATIVE RESULT
65.00%
Loan amount€6,500,000
Equity before non-eligible costs€3,500,000

Calculated directly from the assumptions shown.

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Move from this screening result to the free Construction Financing Model.

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FORMULA

How the ltc calculation works

Loan to cost = loan amount ÷ eligible project cost.

Example calculation

A €6.5m facility against €10m of eligible cost produces 65% LTC.

INVESTMENT USE

How professionals use the result

Use LTC to test lender leverage limits. Confirm which costs the lender treats as eligible.

Common mistakes

  • Using total cost when the loan excludes certain costs
  • Including interest twice
  • Comparing commitment with drawn balance
  • Confusing LTC with LTV
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CONNECTED ANALYSIS

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Related financial model

FREE MODEL

Construction Financing Model

Size a construction facility and create a monthly debt draw, interest and maturity schedule.

CLEAR ANSWERS

LTC Calculator FAQs