TractTerm articles
Plain-English explainers from the TractTerm team.
Loan maturity ladder template for CRE debt
A free loan maturity ladder template for commercial real estate debt: the columns to track, the monthly routine, and where the spreadsheet stops working.
September 10, 2026
TractTerm vs Bryt Software
TractTerm vs Bryt Software: a borrower-side CRE debt tracker with public prices vs a modular loan servicing platform priced by calculator, checked Sept. 2026.
September 10, 2026
TractTerm vs The Mortgage Office
TractTerm vs The Mortgage Office: a borrower-side CRE debt tracker with public prices vs a demo-gated platform with 285 Capterra reviews, checked Sept. 2026.
September 10, 2026
Non-recourse carve-out guaranty in commercial real estate
What a non-recourse carve-out guaranty (the bad boy guaranty) covers, the two liability tiers behind it, and why borrowers track the trigger list per loan.
September 8, 2026
Planning for the commercial real estate maturity wall
How much commercial real estate debt matures in 2026, why exposure is uneven by property type and lender, and how to set warning horizons.
August 30, 2026
Commercial real estate prepayment penalty structures
Yield maintenance, defeasance, and step-down prepayment penalties on commercial real estate loans, and what each one costs a borrower to exit.
August 30, 2026
The extension option notice deadline
How commercial loan extension options work: the notice window, the conditions a borrower has to satisfy, and why the deadline gets missed.
August 30, 2026
When an interest rate cap expires before loan maturity
Why an interest rate cap often expires before loan maturity, what that gap costs a borrower, and how to track the cap expiration date alongside the loan.
August 30, 2026
SOFR reset dates on a commercial real estate loan
How SOFR reset dates work on a floating-rate commercial real estate loan, and why the reset calendar matters more than the index level today.
August 30, 2026
TractTerm pricing: what each tier costs
How TractTerm pricing is metered: loans under management, unlimited users, and a link to the live pricing page. No amounts are repeated here.
August 30, 2026
ChathamDirect alternatives for smaller borrowers
Alternatives to Chatham Financial's ChathamDirect for CRE owners below institutional scale: LoanBoss, TreasuryView, TractTerm, and spreadsheets. August 2026.
August 20, 2026
LoanBoss alternatives for CRE debt management
Alternatives to LoanBoss for borrower-side CRE debt management: what Chatham, DebtBook, TreasuryView, and TractTerm each cost and cover, verified August 2026.
August 20, 2026
TractTerm vs TreasuryView
TractTerm vs TreasuryView: the two transparently-priced debt trackers compared on meter, scope, and cost, with verified August 2026 pricing for both.
August 20, 2026
Commercial real estate loan covenants, explained
What commercial real estate loan covenants are (financial, operational, and collateral), how lenders test them, and how borrowers track them without surprises.
August 7, 2026
Commercial real estate covenant compliance certificates
What a commercial real estate covenant compliance certificate contains: thresholds, actuals, headroom, pass/fail, and the officer signature block.
August 7, 2026
Commercial real estate lender reporting requirements
What commercial real estate lenders require borrowers to deliver (rent rolls, operating statements, compliance certificates) and the deadlines that bite.
August 7, 2026
What happens if you breach a loan covenant?
A covenant breach starts a sequence the loan documents define: notice, cure, waiver, or default. What each stage means and why finding it first matters.
August 7, 2026
Loan covenant tracking spreadsheet: the limits
How to build a loan covenant tracking spreadsheet: the columns that matter, test cadences, headroom math, and the point where it breaks.
August 7, 2026
What is a DSCR covenant?
A DSCR covenant requires net operating income to cover debt service by a set margin. How lenders compute it and why their number differs from yours.
August 7, 2026