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TimeValue Software Blog

Structuring Monthly Skipped/Modified Payments

By Martel Pellerin

Managing seasonal cash flows of a business can be an art and a science. For a lender, the key to success is making life easier for the borrower or lessee. One opportunity for Lenders/lessors is to structure loans or leases with monthly skipped or modified payments when appropriate and creating a win-win for both parties. This structuring can separate you from the competition.

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Buying a Partial Note

By Martel Pellerin

People buy and sell notes all of the time. Sometimes they only want to buy or sell a partial of the note. We had a customer request assistance on purchasing a partial of a note utilizing TValue software.

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Per Diem Interest Calculation

By Martel Pellerin

Per diem interest is the interest charged on a loan on a daily basis. The finance charge is interest calculated since the last time a payment was made. Often, you have a loan payoff at a point in time and it doesn’t close and you need to determine the per diem interest for each day the loan doesn’t get paid off.

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Municipal Loan Structure

By Martel Pellerin

Municipal Loans often offer a unique structure that combines both interest-only payments every 6th month and annual fixed principal plus interest payments.

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Deferred Payments

By Martel Pellerin

Many deals are structured with deferred payments at the start of the loan. It is a common practice to help the Company’s cash flow and give the borrower time to get the asset up and running before payments start.

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