Gross-to-Net Facility Calculator
Start with the gross facility a lender has indicated and work forward to the cash your client actually receives at settlement. Every deduction is itemised so you can see exactly where the money goes before you present the structure.
Step 1 of 4
Gross to NetFacility
The gross facility the lender has indicated, and the term it runs for.
The total facility limit before any deductions.
Facility term in months.
Annual interest rate.
How this was calculated
Every figure below shows the method used to derive it, so you can check the structure before taking it to a client.
From gross facility to net advance
Every line below reduces the funds released at settlement. Fees marked as paid separately are excluded because they are settled outside the facility.
| Gross facility | $1,000,000 |
|---|---|
| Establishment feeDeducted2% of gross facility | −$20,000 |
| Legal feesDeductedFixed amount plus GST | −$5,500 |
| Interest retained at settlementPrepaid for 12 months | −$96,000 |
| Net advance to borrower | $878,500 |
Fee detail by treatment
Deducted and capitalised fees are financed by the facility. Separate fees increase total transaction cost without reducing net proceeds.
| Deducted from facility | $25,500 |
|---|---|
| Capitalised into facility | $0 |
| Paid separately by borrower | $3,850 |
| GST included aboveWhere applicable | $850 |
| All fees | $29,350 |
Interest and exit exposure
| Gross facility | $1,000,000 |
|---|---|
| Total interest over term9.6% p.a. over 12 months | $96,000 |
| Balance repayable at exit | $1,000,000 |
| Exit LVR | 50.00% |
Assumptions
- Fee treatment
- Deducted fees are financed within the gross facility and taken at settlement, reducing net proceeds. Capitalised fees are funded within the facility rather than paid externally, increasing financed exposure. Separate fees are paid by the borrower outside the facility and do not reduce net proceeds, but do increase total transaction cost.
- Interest treatment
- Prepaid interest is calculated on the full facility for the full term and deducted at settlement. Capitalised interest is added to the balance and shown as exposure at expiry rather than a settlement deduction. Serviced interest is paid monthly from cash flow and does not reduce the net advance.
- Simple interest
- Interest is calculated on a simple monthly basis (annual rate ÷ 12 × months) on the full facility. It does not model progressive drawdown, monthly compounding, or partial repayments.
- GST
- Where GST is marked as applicable on a fee, it is added at 10% on top of the calculated amount.
- Rounding and precision
- All arithmetic uses decimal precision rather than floating point. Figures are rounded to the cent for presentation only, so totals always reconcile.
Important information
This calculator produces an indicative desktop estimate for broker scenario-modelling purposes only. It is not an offer of finance, a pre-approval, a term sheet, or credit assistance, and it does not take your client's objectives, financial situation or needs into account.
The net advance shown is the amount remaining after the deductions you have entered. Lenders frequently apply additional retentions, adjustments and settlement costs that are not captured here.
Actual terms, fees, rates, valuations, and available leverage are determined by the lender following full assessment, valuation and legal review. Fees and interest vary between lenders and transactions. Figures shown depend entirely on the inputs and assumptions you have selected.
Get Solutions does not provide financial, legal, tax, or accounting advice. Your client should obtain independent professional advice before acting on any figure produced here.
Tool version 1.0.0 · Formula version 1.0.0 · Disclosure version 1.0.0 · Calculated 11 Sept 2026, 8:50 pm
Common questions
- What is the difference between the gross facility and the net advance?
- The gross facility is the total limit approved by the lender. The net advance is what your client actually receives at settlement once fees, prepaid interest, debt payouts and any retained amounts are taken out. On a private credit deal the gap between the two is often material, which is why it is worth modelling before you present a structure.
- How should I treat a fee the borrower pays from their own funds?
- Set the treatment to Paid separately. It will not reduce the net advance, but it is still counted in the total transaction cost so your client sees the true all-in cost of the deal.
- Does this account for progressive drawdown?
- No. Interest here is calculated on the full facility for the full term on a simple monthly basis. For a progressively drawn facility, use the Construction Peak Debt Calculator, which models month-by-month drawdowns and interest.
Common questions
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