You know the drill. A new deal comes in, the debt terms are a little different, and you are back in Excel stitching together another amortization tab. The math is straightforward, but the details pile up and small errors creep in when you are moving fast. Interest-only periods, floating rates, curtailments, and balloons all have to hit the right periods with the right conventions. Then you still need clean outputs for underwriting and a summary you can pass along. It is repetitive work that still demands precision. Underwriting ~5 min to run Build Loan Amortization Schedule Vic prompt Use Vic to build a loan amortization schedule for a $4.2M floating-rate loan on a 65,000 sf industrial acquisition with a 24-month IO period and balloon at year five. Purpose Accurate amortization modeling supports precise cash flow and return calculations during underwriting. The same output a human analyst produces in 60 minutes is ready in about 5 minutes. Inputs Loan Document Optional Loan Terms Optional Outputs An .xlsx file containing the amortization schedule, inputs block, period detail with IO and balloon mechanics, borrower and lender metrics, and a metrics summary Time saved Turns roughly 60 minutes of manual work into about 5 minutes. How it works Give Vic the loan document or a simple set of terms. Include principal, rate type, term, amortization, interest-only periods, curtailments, balloon timing, and any day-count convention. It handles new originations and assumptions, with fixed or floating rates, without extra setup. Run it with a single line: "Use Vic to build a loan amortization schedule for a $4.2M floating-rate loan on a 65,000 sf industrial acquisition with a 24-month IO period and balloon at year five." Vic returns an .xlsx file you can open and edit right away. The file matches how analysts work. An inputs block sits up front so you can change terms without digging through formulas. Below that is a full period-by-period schedule with balances, interest, principal, and the logic for interest-only periods and any balloon payment. Curtailments land in the correct periods and flow through balance and interest. You also get the borrower and lender metrics that matter for underwriting and credit. The output includes APR, duration, average life, and a tight summary of key figures. It is what you would build by hand, minus the setup. The real gain is consistency. When each deal starts from a clean, standard schedule, downstream cash flow and return work is easier to trust. You are not chasing a stray formula or a missed period. It also helps when terms shift mid process. A lender tweaks the IO period or moves a balloon. Instead of patching an existing sheet and checking every line, rerun the task with updated inputs and get a fresh schedule that reflects the change. Five minutes later, you have a complete, editable model that fits how you already work in Excel. No black box, no locked cells, and no need to rebuild the same logic on the next deal.