Fix your Debt Structure Today
Debt Portfolio Optimizer
Refinancing and swap analysis, board-ready output
Get the Debt Portfolio OptimizerHow to Upload a Claude Skill
Debt Portfolio Optimizer: Microsoft Case Study Walkthrough
Features List
10x
Faster than manual debt review
10+
Tabs, one formula-driven workbook
100%
Board-ready output, first run
Why Treasury Teams Use This SkillWhy Treasury Teams Use This Skill
Cut Your Cost of Debt
The GPT scans every document across all six CFO-relevant lenses: Financial, Commercial, Operational, Regulatory and Legal, Integration, and Governance. No lens is skipped because it's inconvenient. Red flags from all six categories surface in every session.
Maturity Ladder, Built Fast
No more staring at a debt schedule spreadsheet. The skill builds your maturity ladder automatically, flags concentration risk, and shows covenant headroom across every period.
Swap and Rate Scenarios
Run fixed-to-floating swap overlays, stress-test rate moves of 100bps above and below the forward curve, and see how each scenario changes your interest expense. The tornado chart ranks every driver by impact.
Board-Ready in One Run
Every run produces two outputs: an executive summary in Word and a formula-driven Excel workbook. Both are formatted for direct use in board packages and lender presentations.
Covenant-Constrained Advice
Recommendations stay inside your actual constraints: net debt-to-EBITDA limits, interest coverage floors, cash buffers, and maturity concentration caps. You set the rules; the skill works within them.
What You Get
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Executive Summary (.docx)
A Word document with your current WACD, the optimized WACD, recommended actions, quantified savings, and key risks. Ready to drop into a board pack.
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Debt Register Input Tab
A structured Inputs tab where you enter each instrument: principal, coupon, rate type, maturity, callable status, and any existing swap overlays.
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Baseline Analysis Tab
Current WACD calculation, annual interest cost, maturity ladder chart, fixed/floating split, and covenant headroom — all built from your inputs.
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Optimization Actions Tab
Feasible actions per instrument (hold, refinance, repay, swap) with NPV of each option, estimated transaction costs, and net savings.
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Sensitivity Analysis Tab
Rate scenarios (spot, +100bps, -100bps vs. forward curve), EBITDA stress, and a tornado chart ranking each variable by its impact on total interest cost.
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Covenant Compliance Tab
Quarterly covenant waterfall for 12 periods. Tracks net debt/EBITDA, interest coverage ratio, and cash buffer against your specified thresholds.
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Market Data Tab
Live market rates fetched at runtime: SOFR term rates, Treasury yields, credit spreads by rating, and IRS swap rates. Each data point cited with source and date.
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Assumptions & Sources Tab
Every non-market assumption listed with its value, basis, and sensitivity flag. Every data point sourced. Audit-ready documentation in one place.
When to Run This Skill
Rates Have Moved — Time to Reprice
When SOFR or Treasury yields shift materially, your floating-rate loans and callable bonds may no longer be optimally priced. Run this skill to identify which instruments are worth repricing now, net of make-whole and transaction costs.
Pre-Board Debt Strategy Review
Heading into a board or audit committee meeting where the debt portfolio will be discussed? Generate the executive summary and maturity ladder in one run. The output is formatted for direct inclusion in board materials.
Lender Refinancing Negotiation
Before entering term sheet discussions, use the skill to quantify your current all-in cost and the savings achievable at a lower spread or longer tenor. Walk in knowing your numbers.
Fixed vs. Floating Mix Decision
Unsure whether to add a swap overlay or let floating-rate exposure run? The sensitivity tab shows how your total interest bill changes across rate scenarios, so you can set your fixed/floating target with data behind it.
Post-Acquisition Debt Integration
After closing a deal, you inherit the target's debt register. Upload both debt schedules to get a combined portfolio analysis: consolidated WACD, maturity concentration risks, and priority refinancing actions.
What's in the Workbook
| Tab | Type | What It Shows |
|---|---|---|
| Inputs | Data Entry | Debt register, company financials, CFO constraints, market rates |
| Baseline Analysis | Analysis | Current WACD, interest cost, maturity ladder chart, fixed/floating split |
| Optimization Actions | Recommendations | Per-instrument action options with NPV, transaction costs, net savings |
| Sensitivity Analysis | Scenarios | Rate scenarios, EBITDA stress, tornado chart of key drivers |
| Covenant Compliance | Monitoring | 12-period quarterly waterfall: leverage, coverage, cash buffer vs. thresholds |
| Market Data | Live Data | SOFR, Treasuries, credit spreads, swap rates — sourced and dated at runtime |
| Assumptions & Sources | Audit Trail | All assumptions and data citations in one audit-ready tab |
Common Questions
What data do I need to run this?
How does it handle floating-rate debt?
Can it handle more than 5 debt instruments?
Does it account for covenant restrictions?
What does the output look like?
Is this a Claude Custom Skill? How do I use it?
Know What Your Debt Is Actually Costing You
Run a full portfolio analysis in one session. Board-ready output included. Updated for 2026 market rates.