Maturity Watch
Every maturity on the book re-tested 12–18 months out, with a refinance test and a plan.
Why it matters
A wave of CRE loans comes due at higher rates and lower values, and many are found to fail refinance tests only weeks before maturity.
How the solution handles it
Five agents scan the book for maturities, re-test DSCR, debt yield and LTV at today’s rates and values, check extension conditions in the loan, and draft a strategy memo in line with the 2023 interagency workout statement. The portfolio manager decides.
How a maturity moves
Five agents scan maturities, re-test refinance, update values, check extension terms and draft the plan; the portfolio manager decides.
What it reads, and what it hands back.
What goes in
- Loan and extension terms
- Latest rent roll and operating statement
- Rate and cap-rate data
- Prior valuation
- Sponsor and guarantor financials
What comes out
- Maturity schedule with refinance tests
- Extension-condition check
- Strategy memo: extend, modify or exit
- Watch-list updates
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“Target” = design goal, measured in the live solution · “Typical” = published figure: MBA, 2025 loan maturity survey (Feb 2026) · Interagency CRE workout policy statement (2023) · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
Every rent roll and T-12 normalised and tied out, with underwritten NOI in hours, not days.
Appraisal ReviewEvery appraisal checked against the guidelines and your file before the credit decision.
Lease & Tenant RiskEvery lease, estoppel and SNDA abstracted and cross-checked, so tenant risk is known before closing.
Build this
for your team.
We’ll show Maturity Watch running on your own documents.