Funding Planner · Powered By
Model your funding before you ever submit it.
The Funding Planner is a structured pre-assessment tool — built for South African borrowers who want to understand repayment, affordability and refinance economics before they engage a bank, DFI or alternative lender.
Indicative scenarios only · Not a credit offer · Not financial advice
What you can model
Six scenarios. One coherent view of bankability.
Home loan estimator
Estimate monthly repayments across rate, term and deposit. Stress-test affordability against a 100–300bps rate move.
First-time buyers, repeat buyers, self-employed.
Development finance calculator
Model construction draws, interest roll-up, profit-on-cost and loan-to-cost against indicative DFI and bank parameters.
Developers, JV sponsors, professional teams.
Refinance calculator
Compare an existing facility against a restructured alternative — rate, term, fees and break-even on switching cost.
Existing borrowers, portfolio landlords, SMEs.
Affordability planner
Map net income, fixed obligations and lifestyle commitments to a credible repayment ceiling.
Salaried, self-employed and dual-income households.
Business loan estimator
Indicative repayments on term debt against EBITDA cover and DSCR thresholds used by South African lenders.
Trading SMEs, mid-market businesses.
Commercial property model
DSCR, yield-on-cost and amortisation modelled against tenancy schedule and lender stress rates.
Property investors, family offices, syndicates.
Interactive planner
Model your scenario.
Adjust the inputs to see indicative repayments, affordability and rate-shock sensitivity. When the numbers stand up, start a readiness assessment.
Estimated monthly repayment
R 29 260
- Loan amount
- R 2 700 000
- Loan-to-value
- 90.0%
- Total repayment
- R 7 022 422
- Total interest
- R 4 322 422
Rate-shock scenarios (monthly)
-100bps
R 27 411
Base
R 29 260
+100bps
R 31 153
+200bps
R 33 086
+300bps
R 35 056
Indicative only. Real lender pricing depends on credit profile, security, structure and facility. Not a credit offer or financial advice.
From scenario to submission
The planner is upstream of the application.
Most South African finance applications fail upstream of the bank — not at credit. They fail because the borrower never modelled the deal honestly: the affordability was thin, the term was wrong, the rate move broke the cash flow, the refinance was never re-priced.
Use the Funding Planner to test the deal first. Then, when the numbers stand up, we structure, package and coordinate the application with the right lender.