Equity Call Gap Calculator

Capital calls may exceed committed equity. This calculator sizes the gap.

Committed equity

Contributed to date

Current call $

Remaining projected calls

Equity gap

$1,000,000

Remaining commitment

$3,000,000

Total projected calls

$4,000,000

How the math works

Gap = total projected calls − remaining committed equity.

Positive gap requires additional capital. Raise before gap materializes; reacting under pressure yields poor terms. Always track projected calls 6+ months ahead of funding date.

How to Use

Enter total committed equity.
Enter equity contributed to date.
Enter current capital call $.
Enter remaining projected calls.
Read equity gap.

Frequently Asked Questions

Gap origins?

Construction overruns, slower lease-up, rate shocks, market value impairment, tax assessments. Any increases cash need beyond original commitment.

Gap resolution?

Partner capital call (pro-rata). Third-party equity raise (dilutive). Lender forbearance (operational cure). Mezzanine bridge. Each changes sponsor economics; model before accepting.

Avoiding gaps?

Reserve 10-15% contingency on original equity commitment. Stress-test pro forma at −10% revenue and +10% costs. Most deals survive if reserve is 15%+; under 10% = tight.

When does a lender negotiate vs foreclose?

Lenders calculate their net recovery from foreclosure (asset value minus legal, time, and sale costs) and compare to any workout proposal. If your offer nets the lender more than foreclosure, and you present it with clear sources of capital, most lenders will engage. Bring a credible sponsor, documented sources, and a timeline — vague asks get declined. Build the relationship before distress, not after.