Loan Term Sheet Builder
Turn a chosen lender quote into a full draft term sheet with final metrics, reserves, costs, and conditions.
★ 105 on GitHub1 download on LenderSkills
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with Avi Hacker, J.D.. That introduction is what keeps every skill here free.
What this skill does
Takes the quote you picked and formalizes it into a term sheet plus a financing recommendation ready for legal review.
What it does
- Captures every loan term and recalculates final deal metrics and returns at those exact terms
- Sizes reserve requirements and closing costs
- Lists conditions precedent and the risks that have to be managed through closing
- Carries a fallback lender so a gap in the primary quote does not stall the deal
- Produces the handoff package for counsel
When to use it
Use this skill once you have selected a preferred lender and want to formalize the financing structure into a draft term sheet and full financing recommendation. It is the right tool when moving from quote comparison into active lender engagement — producing a structured document that captures every loan term, calculates final returns at those exact terms, and identifies conditions and risks that must be managed through closing.
What to have ready
- Selected lender quote: the specific lender and all quoted terms (rate, LTV, term, amortization, IO period, prepayment structure, fees, recourse, reserves)
- Fallback option: the #2 lender quote (used if the primary has material gaps or risks)
- Purchase price and equity structure
- NOI projections: 5-year pro forma (Year 1 minimum)
- Exit cap rate assumption for exit value calculation
- Hold period (typically 5 years)
- …and a few more items the skill will ask for as it goes
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"Use the Loan Term Sheet Builder skill — I've got selected lender quote."
What you get back
A structured report covering borrower, property, loan amount, interest rate, term / amortization, debt service, and dscr covenant. You get it as readable analysis plus the underlying data, so it can feed straight into a memo or another skill.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
Source & credit
Imported from the open-source cre-agent-skills library by Avi Hacker, J.D. (github.com/ahacker-1/cre-agent-skills), Apache-2.0 license. The author's content is unmodified apart from a legal disclaimer appended at the end of the package. Full credit to the author.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Term Sheet Builder
Assemble a complete draft term sheet and financing recommendation from a selected lender quote, calculating final deal metrics, reserve requirements, closing costs, and conditions precedent.
When to Use This Skill
Use this skill once you have selected a preferred lender and want to formalize the financing structure into a draft term sheet and full financing recommendation. It is the right tool when moving from quote comparison into active lender engagement — producing a structured document that captures every loan term, calculates final returns at those exact terms, and identifies conditions and risks that must be managed through closing. It also prepares the handoff package for legal review.
What You'll Need to Provide
- Selected lender quote: the specific lender and all quoted terms (rate, LTV, term, amortization, IO period, prepayment structure, fees, recourse, reserves)
- Fallback option: the #2 lender quote (used if the primary has material gaps or risks)
- Purchase price and equity structure
- NOI projections: 5-year pro forma (Year 1 minimum)
- Exit cap rate assumption for exit value calculation
- Hold period (typically 5 years)
- Property details: name, address, unit count, entity name (if known)
- Closing cost estimates: appraisal, environmental, title, legal, and other third-party costs if known
- Stress test / scenario analysis results (if available) — used to assess covenant breach probability
Mission
Assemble the recommended term sheet based on the best financing option. Document all key loan terms, calculate final deal metrics at the recommended financing, identify conditions and risks, and produce structured output that supports legal document review.
Strategy
Step 1: Select Recommended Lender and Structure
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from Avi Hacker, J.D.
Imported from their public repository with attribution. Their other skills, and where to find the original, are on their contributor page.