All simulatorsSimulator 03
Stress test: if things go wrong
A reference structure splits the financing of an asset between two parties. Apply one or more adverse events and observe, in real time, how the loss is shared.
Exit value used€150,000
Total loss, risk sharing€50,000
How the loss is shared, risk sharing
Party A, capital provider · €30,000Party B, operator · €20,000
Party A, capital provider€30,000
The fall in value is borne in proportion to each party's participation. The unpaid share reduces Party A's return, which risk sharing caps.
Party B, operator€20,000
Party B bears the fall in value in proportion to its participation. A payment delay adds no penalty to its charge.
Scenario assumptions
- Both parties finance the asset in proportion to their participation and share the loss in the same proportion.
- Party A's expected return is estimated at 10% of the amount, over a reference term of 60 months.
- In the risk-sharing structure, a payment delay triggers no penalty.
- For the conventional credit, the reference rate is 5.9%, the late-payment surcharge 3 points, and the early-exit charge 3% of the outstanding capital, capped at six monthly payments.
This tool illustrates general structuring mechanisms. It constitutes neither personalised advice nor an offer of financing.