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Floating Rate Exposure Calculator
Every 100bps of rate movement on floating debt creates quantifiable P&L impact. This calculator sizes annual and cumulative exposure.
Annual P&L impact
$200,000
Cumulative over years
$1,000,000
Per 100bps annually
$100,000
How the math works
Float exposure = balance × rate move. 100bps shock on $10M = $100k annually. Over a 5-year hold, that's $500k of cumulative cost.
Stress-test at +200 to +300bps. If DSCR holds, you're fine. If it breaks, hedge — or reduce leverage before closing.
How to Use
- Enter floating-rate debt balance.
- Enter years remaining.
- Enter scenario rate shock (bps).
- Read annual and cumulative exposure.
Frequently Asked Questions
What is '100bps exposure'?
Notional × 0.01 = annual P&L impact of a 1% rate move. $10M × 1% = $100k annually for every 100bps. Compounds across hold period.
How to manage?
Interest rate cap at strike you can handle. Swap to fixed if certainty matters. Reduce float exposure through partial fixing. Stress-test at +300bps before committing.
What's acceptable?
Depends on cash flow cushion. If +200bps eats entire DSCR cushion, too exposed. Institutional LPs require hedged exposure under stress scenarios for floating-rate deals.
How does this interact with the rest of the capital stack?
Each tier of the stack affects the next. Senior debt constrains LTC and DSCR. Mezz and pref consume equity spread. Interest rate hedges protect DSCR but cost premium. Always model the full stack holistically — optimizing one tier alone often degrades another. Institutional underwriters run three or four scenarios across the stack before committing capital.
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