Debt Service
Every loan and covenant, tracked and tested.
With Singlepane's integrated debt service tracking, coverage ratios and yield tests calculate themselves from historical and forecasted validated financials without anyone updating a spreadsheet.
| Loan | Apr | May | Jun | Jul | Aug | Sep |
|---|---|---|---|---|---|---|
| Harbor Point ResortSenior · 1.25x | 1.62x | 1.58x | 1.55x | 1.51x | 1.47x | 1.44x |
| The WexfordSenior · 1.20x | 1.38x | 1.31x | 1.26x | 1.19x | 1.17x | 1.22x |
| Canal Street HotelSenior · 1.30x | 1.05x | 0.98x | 0.91x | 0.86x | 0.84x | 0.79x |
| Summit LodgeSenior · 1.25x | 1.41x | 1.36x | 1.29x | 1.22x | 1.18x | 1.15x |
| Palmetto SuitesSenior · 1.15x | 2.31x | 2.35x | 2.40x | 2.44x | 2.48x | 2.50x |
| Bayview Marina HotelMezzanine · 1.10x | 0.42x | 0.38x | 0.31x | 0.27x | 0.25x | 0.29x |
| Ridgeline InnSenior · 1.20x | 1.71x | 1.66x | 1.60x | 1.63x | 1.68x | 1.72x |
Covenant tests, defined your way
Set up each test the way the loan documents read
Choose the lookback period, the required coverage multiple or debt yield, and exactly which lines are added to or subtracted from NOI. Singlepane then runs the test every month on actuals, forecast and budget, and flags a shortfall before the lender does.
- Track compliance. Automatically calculate historical and forecasted DSCR or yield tests and summarize potential issues before they happen.
- Monitor rates. Keep a pulse on fluctuations with integrated daily and forward-curve benchmark data.
- Summarize terms. One clean summary of every loan, maturity, rate, spread and key term.
NOI definition
- EBITDA (USALI)Starting line
- FF&E reserve
- Incentive management fee (subordinated)
- Owner's expenses
- Ground lease
Recalculated every month on actuals, forecast and budget
What you get
Debt oversight that protects covenant compliance and investor confidence
Maturities and extensions
Summarize all loan maturities and extension options across the portfolio in one clean view, with the conditions attached to each option.
Floating interest
Daily and forward-curve benchmark rates (SOFR, Treasury and international rates) update automatically, so effective rates and interest projections keep pace with the market.
Automatic compliance testing
Multi-part covenant tests for coverage ratios and yield requirements, calculated forwards and backwards from actuals, forecast or budget, with potential issues flagged before they actualize.
Terms in one place
Lender, balance, rate, spread, caps, amortization, reserves and reporting requirements for every property loan.
One platform
Explore the rest of Singlepane
Business Intelligence
Portfolio performance reporting, benchmarking and forward-looking analysis on one standardized reporting surface.
CapEx Management
Budget, approve, forecast and reconcile capital projects from five-year plan to final draw.
Contract Management
Every agreement, license and permit in one place. AutoAbstract abstracts each one with AI, and key date notifications ensure every renewal is strategic.
AcquisitionsQ1 2027
Track deal flow, organize underwriting and run diligence, then migrate it all at close.
ScoutAI
Our built-in agent in the app, SMS, email and Teams, plus MCP connectors for Claude, ChatGPT and Copilot.
Office add-ins
Fresh Singlepane data in the Excel models, PowerPoint decks and Word memos you already build.
See your portfolio on one single pane of glass
Book a live demo with our team. We will walk through the platform using the questions your asset managers are asking today.