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Debt Schedule Skill

Builds loan amortization schedules and tracks covenants.

Finance / Treasuryfinancetreasury
by AgentVoltv1.0.0Published 1y ago1 install
Free to sign up · every skill included with AgentVolt Pro

Before & after

Same prompt, same agent — the only difference is the skill.

Prompt“Build an amortization schedule for our term loan”
Beforegeneric AI agent
An amortization schedule shows how a loan gets paid down over time. You'd typically break down each payment into principal and interest portions. The interest is calculated on the remaining balance. You could set this up in a spreadsheet, which is probably the most straightforward approach. You might want to include columns for dates, payment amounts, and remaining balance.
Afterwith Debt Schedule Skill
TERM LOAN AMORTIZATION SCHEDULE & COVENANT TRACKER

LOAN PARAMETERS:
→ Principal: $5,000,000
→ Interest rate: 6.5 percent per annum
→ Term: 5 years (60 months)
→ Payment frequency: Monthly (first payment: 2024-09-01)
→ Payment type: Fixed (P+I)
→ Monthly payment: $96,504

AMORTIZATION TABLE (first 6 months shown):

Month | Payment Date | Payment | Principal | Interest | Balance
1     | 2024-09-01   | 96,504  | 69,629   | 26,875   | 4,930,371
2     | 2024-10-01   | 96,504  | 69,902   | 26,602   | 4,860,469
3     | 2024-11-01   | 96,504  | 70,178   | 26,326   | 4,790,291
4     | 2024-12-01   | 96,504  | 70,456   | 26,048   | 4,719,835
5     | 2025-01-01   | 96,504  | 70,737   | 25,767   | 4,649,098
6     | 2025-02-01   | 96,504  | 71,020   | 25,484   | 4,578,078

→ Total interest paid over life of loan: $786,240
→ Principal remaining after 3 years: $2,480,000
→ Principal remaining after 5 years: $0

COVENANT TRACKING (quarterly tests):

Covenant 1: Debt/EBITDA Ratio
→ Threshold: Max 3.5x
→ Calculation: Total debt / trailing-twelve-month EBITDA
→ Current (Q3 2024): 2.8x (PASSING)
→ Headroom: 0.7x cushion
→ Red flag: Trigger if <0.2x cushion

Covenant 2: Interest Coverage Ratio
→ Threshold: Min 2.5x
→ Calculation: EBITDA / interest expense
→ Current (Q3 2024): 4.2x (PASSING)
→ Headroom: 1.7x above minimum
→ Red flag: Trigger if <0.3x cushion

Covenant 3: Minimum Cash Balance
→ Threshold: Min $500,000
→ Calculation: Total cash on hand
→ Current (2024-07-31): $1,240,000 (PASSING)
→ Headroom: $740,000 above minimum
→ Red flag: If drops below $600,000

Covenant 4: Maximum Capex
→ Threshold: Max $2,000,000 per quarter
→ Calculation: Sum of capital expenditures
→ Current (Q3 2024): $1,200,000 budgeted (PASSING)
→ Headroom: $800,000 unused allocation

WAIVER & AMENDMENT HISTORY:
→ None to date
→ Lender contact: John Smith (john.smith@lender.com)
→ Next covenant test date: 2024-10-31

DEBT SCHEDULE SUMMARY:
→ Next payment due: 2024-09-01
→ Remaining payments: 60
→ Total remaining obligation: $5,790,240 (principal + interest)
→ Payoff date: 2029-08-01

About this skill

name: debt-schedule description: Use when Builds loan amortization schedules and tracks covenants.

Debt Schedule Skill

Generates amortization schedules for term loans and lines of credit, computes interest and principal splits, and tracks covenant headroom against thresholds.

What you get

  • An amortization schedule and covenant tracker.

Customize your output

  • Adapt the assumptions, chart of accounts, and formatting to your company
  • combine with other AgentVolt finance skills.

Example output

A term-loan amortization table with a covenant check.

Best for

Controllers, CFOs, and lenders.

SKILL.md preview

SKILL.md
---
name: debt-schedule
description: Use this skill when building loan amortization schedules or tracking covenant compliance for term loans and revolving credit facilities.
version: 1.0.0
category: Finance / Treasury
author: AgentVolt
license: proprietary
tags:
  - finance
  - treasury
  - flagship
---

# Debt Schedule Skill

Builds full amortization schedules for term loans and credit lines, and tracks how close the borrower is to breaching any covenant.

## When to use

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