Net Debt & Liquidity Headroom
A treasury view from gross debt to net debt to available liquidity.
It measures net debt, cash headroom vs min cash, undrawn facilities, and a 12-month maturity view.
Use it before a refinance or draw to confirm liquidity covers the near-term maturity wall.
Signal Lab · Model
Net Debt & Liquidity Headroom
Net debt = gross interest-bearing debt − cash. Available liquidity = cash + undrawn committed facilities. Cash headroom = Cash − MinCash, plus a simple 12-month maturity view.
Illustrative AU sample until you enter actuals. Not financial advice.
Cash, facilities, and policy
Drawn + undrawn facility limits. Persist locally · Jump to headroom
Gross debt, net debt, liquidity, headroom
Traffic: headroom vs min cash — ok / tight (<15% of floor) / breach.
Equations
- Gross debt = Drawn interest-bearing debt
- Net debt = Gross debt − Cash
- Available liquidity = Cash + Undrawn committed facilities
- Net debt / EBITDA = Net debt ÷ EBITDA (earnings before interest, tax, depreciation and amortisation; when EBITDA > 0)
- Cash headroom = Cash − Min cash policy · Tight = 0 ≤ headroom < 15% of floor
How this is calculated
- Gross debt is the drawn interest-bearing balance (facility limit = drawn + undrawn).
- Net debt subtracts cash & equivalents from gross debt.
- Available liquidity adds undrawn committed facilities to cash.
- Maturity heatmap shades each of the next 12 months by principal due vs undrawn coverage.
Illustrative — not financial advice. Facility docs define committed vs uncommitted.
What-if stress
Cash −X%, draw facility, repay debt — live liquidity and headroom.
Levers
Draw moves undrawn → drawn (cash up). Repay cuts drawn and cash. Cash shock scales cash only.
Take it with you
Download a prompt, export the Excel workbook, or email yourself.
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