Module A

Term-Sheet Doctor

Drop the deal. We'll tell you if it's fair, what to push back on, and the counter-offer that saves you money — in your words, not the bank's.

Drop a PDF

Have the term sheet handy? Upload the PDF and we'll lift the deal off it automatically — you confirm before we score.

or fill the form below

The facility

Facility type

RCF, term loan, or bilateral.

Bank (optional)

Used as the label on the result page.

Your region

Filters the bank cohort to same-region peers.

Amount (commitment)

In currency units (no commas, no abbreviations).

Currency

Tenor (years)

The credit

Internal / agency rating

S&P notation. Moody's and Fitch also accepted.

Collateral pledged (receivables or real estate)

Cuts the bank's loss-given-default floor under Basel III.

The pricing

Spread over reference rate (bp)

In basis points (250 = 2.50%).

Upfront fee (bp on commitment)

Optional. Leave at 0 if none.

Commitment fee on undrawn (bp)

RCFs only. Ignored for term loans.

Expected average draw (%)

RCFs only. Default 50% if you're unsure.

Peer cohort (optional)

Fill these in to also see how your spread compares against similar borrowers who have opted in to peer benchmarks. We suppress the overlay when the cohort has fewer than five peers.

Sector (NACE Level 1)

Borrower revenue band

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