Free tools
Credit and risk tools.
Calculators for the decisions lenders actually make: what a loan should cost, how much risk it carries, and what the portfolio looks like underneath. No signup, no email wall, nothing stored.
In build
DSCR & credit-box sizerSizes a loan against DSCR, LTV, debt yield and leverage at once, and names which constraint actually binds.Underwriting
ECL estimatorOne dataset, both allowances. CECL lifetime loss beside IFRS 9 staging, with a sensitivity strip.Risk & Portfolio
Covenant headroom scannerHeadroom on every covenant plus a projected breach date at the current trend.Risk & Portfolio
Borrowing base & concentrationEligibility waterfall, availability, overadvance flag, and per-debtor excess over the concentration cap.Servicing & Ops
Portfolio ageing & roll ratesUpload a loan tape and get the ageing table, NPL ratio, roll-rate matrix and vintage curves a risk committee asks for.Risk & Portfolio
ASU 2023-09 readiness checkBuilds the effective tax rate reconciliation, flags jurisdictions over the 5% threshold, and scores filing readiness.CFO & Tax
Want one of these sooner? Tell us which and we will build it next.
These are the easy calculations
The hard part is the data underneath them. Truffles reads the documents, spreads the statements, and produces the risk inputs these tools assume you already have.