Refinancing & Maturity Wall Analysis

A refinancing decision-support tool for CFOs, treasurers, credit analysts and owners.

Analyse the debt book by maturity, rate, currency and refinancing need. This is a scenario-based CFO decision tool, not a credit rating or a financing commitment.

Cash plus at least one dated instrument is enough to start. CFADS and facilities refine the funding gap.

A. Company and analysis

Company name (optional) Sector Analysis date Fiscal year-end (optional) Note (optional)

Sector is a hook for future thresholds; it does not impose a hard industry norm.

B. Liquidity and cash generation

Cash and cash equivalents Undrawn bank lines Available committed facilities Other available funding Minimum operating cash Annual EBITDA Annual CFADS Cash from operations Annual CapEx Expected annual free cash flow CFADS growth / decline (%) DSCR covenant Interest-coverage covenant Net debt / EBITDA limit

C. Debt portfolio

H. Stress scenarios

Normal refinancing

Refinancing availability (%) Rate shock (bp) FX shock (%) New tenor (months)

Tight refinancing

Refinancing availability (%) Rate shock (bp) FX shock (%) New tenor (months)

Refinancing crisis

Refinancing availability (%) Rate shock (bp) FX shock (%) New tenor (months)

This tool is for financial analysis and scenario assessment. Results depend on user inputs and selected assumptions. The refinancing resilience score is not a credit rating, a financing commitment, investment advice or an independent financial opinion. Debt contracts, market conditions, collateral, banking relationships, tax and legal terms must be assessed separately.

Borrowing and Financing

Cash Flow and Working Capital

Financial Risk and Resilience

Macroeconomics and the CFO

Company Valuation and Financial Modelling

Capital Markets and Investors

Financial Management and Financial Thinking

Refinancing & Maturity Wall Analysis