The agreement organizer
Read the paper before the pitch.
8 sections, in the order an underwriter reads an advance, consolidation or buyout agreement. Mark each 1 reviewed or not applicable, keep your notes and questions beside it, then print the sheet or download it for your counsel. Notes stay in this page; they are not stored by the site or sent to Citadel Ridge.
Marking a section reviewed records your own progress. It does not establish that an agreement is complete, lawful, or suitable, and this worksheet is not legal advice; interpretation of an agreement requires review of the actual document and applicable law by your counsel. Do not enter account numbers, Social Security numbers, or other sensitive identifiers. Nothing entered here is stored by the site, sent to Citadel Ridge, or added to an intake; closing the page clears it, so download or print before you leave.
After the read
Now compute the number.
The organizer tells you what the paper says. The calculator tells you what it costs.
With the purchased amount, the payback, the remittance and the balance from each agreement in front of you, the stack calculator returns the debit load, the share of deposits it consumes and the effective annualized cost of the whole stack in 5 minutes. If the answer is that the stack is deciding what the business can do, the next page to read is position buyout, and the next step is to send the file.
Start with the file
A straight read within 2 business days.
Send the basics through the intake form: what the file supports, what is missing, and the next step if there is one. If we are not the right desk for it, we say so.