Financial Engine

Commercial Lease & Free Float Calculator

Model unit economics, senior debt service waterfalls, tenant deposit coverage, and net monthly cash flows across any fleet size in real time.

5 Units
1 Unit 10 Units 25 Units 50 Units
1. Standard Linear Lease EQUAL MONTHLY
Fixed predictable monthly OpEx throughout entire lock-in term.
🎁 60-Day Zero-Rent Ramp-Up FREE 60 DAYS
Month 1–2: ₹0 Rent (Commissioning Grace) | Months 3–End: Amortized blend.
🌊 Flex-Rent™ Seasonal Sizing SEASONAL RELIEF
40% Lower Rent during monsoon lull; stepped up during Q3/Q4 festival peak volumes.
Consolidated Cash Flow
Net Monthly Free Float (Take-Home)
₹80,000 / mo
Annual Cash Flow Run-Rate: ₹9.60 Lakhs / yr
Total Asset Portfolio ₹75.00 Lakhs
Senior Debt (85% LTV) ₹63.75 Lakhs
Tenant Deposit Collected ₹9.75 Lakhs
Net Day-1 Equity Outlay ₹0 (100% Absorbed)
Gross Monthly Invoiced ₹3,25,000 / mo
Monthly Bank EMI Sweep - ₹2,10,000 / mo
OEM AMC & Insurance - ₹35,000 / mo
Debt Service Coverage (DSCR) 1.38x (Institutional)
🚀
Year 4 Transformation (Debt-Free Fleet):

At Month 37, bank EMIs drop to ₹0. Monthly free float jumps to ₹2,15,000 / mo on the same 5 units!

Lock in This Fleet Allocation →