Treasury & Liquidity Report
FAMILY OFFICE APP DEMO — TREASURY & LIQUIDITY REPORT
As of October 09, 2026 · Generated 10/09/2026 · Source: FO Platform (live)
Total Cash
$9,651,000
8 accounts
NAV (Hale)
$100,427,000
RE understated*
Cash % of NAV
9.6%
target > 5%
Property Debt (gross)
$107,303,000
non-recourse to FO
Wtd Avg Mtg Rate
5.67%
property-level
Top Bank Concentration
71%
policy < 40%
Weekly Cash Position
| Bank | Acct | Entity | Type | Prior Week | Inflows | Outflows | Current | Coverage | Excess |
|---|---|---|---|---|---|---|---|---|---|
| Carolina Mutual | Northwind Foundation — Foundation operating | Northwind Foundation | Operating Cash | $1,242,284 | $4,716 | – | $1,247,000 | $250,000 | $997,000 |
| Carolina Mutual | Harbor LP — Operating | Harbor LP | Operating Cash | $822,553 | $1,447 | – | $824,000 | $250,000 | $574,000 |
| Lakeside Advisors | Northwind Growth Trust — Cash sweep | Northwind Growth Trust | Reserve / Managed Cash | $637,482 | $518 | – | $638,000 | $250,000 | $388,000 |
| Lakeside Advisors | Northwind Roth IRA — Roth cash | Northwind Roth IRA | Reserve / Managed Cash | $94,850 | $150 | – | $95,000 | $250,000 | $0 |
| Northwind Bank | Northwind Family LP — Money Market | Northwind Family LP | Reserve / Managed Cash | $3,423,134 | – | $13,134 | $3,410,000 | $250,000 | $3,160,000 |
| Northwind Bank | Northwind Family LP — Operating | Northwind Family LP | Operating Cash | $1,925,608 | – | $5,608 | $1,920,000 | $250,000 | $1,670,000 |
| Northwind Bank | Northwind Credit LLC — Lending account | Northwind Credit LLC | Operating Cash | $1,101,625 | $3,375 | – | $1,105,000 | $250,000 | $855,000 |
| Northwind Bank | Northwind Holdings LLC — Operating | Northwind Holdings LLC | Operating Cash | $412,893 | – | $893 | $412,000 | $250,000 | $162,000 |
| GRAND TOTAL — 8 accounts | $9,651,000 | ||||||||
Counterparty Bank Risk
| Bank | Deposit Exposure | Coverage Limit | Excess Over Coverage | Concentration | Status |
|---|---|---|---|---|---|
| Northwind Bank | $6,847,000 | $250,000 | $6,597,000 | 70.9% | REVIEW |
| Carolina Mutual | $2,071,000 | $250,000 | $1,821,000 | 21.5% | OK |
| Lakeside Advisors | $733,000 | $250,000 | $483,000 | 7.6% | OK |
Credit ratings / CDS spreads are not tracked in the platform — add manually if required.
Liquidity Profile
| Liquidity Bucket | Asset Class | Amount (Hale) | % of Portfolio |
|---|---|---|---|
| T+90 — Quarterly | Private Credit | $10,760,000 | 10.7% |
| Illiquid 1-3yr | Private Equity | $29,070,000 | 28.9% |
| Illiquid 1-3yr | Venture Capital | $4,030,000 | 4.0% |
| Illiquid 3yr+ | Real Estate | $29,175,000 | 29.1% |
| Other | Entity/Management | $25,065,000 | 25.0% |
| Other | Alternative Investments | $2,327,000 | 2.3% |
| TOTAL | $100,427,000 | 100.0% | |
*Real estate fair values aren't loaded into this demo, so Real Estate is understated here.
Unfunded Commitments
| Fund / Deal | Asset Class | Commitment | Funded | Unfunded | % Called |
|---|---|---|---|---|---|
| Harbor Point Fund IV | Private Equity | $5,000,000 | $3,100,000 | $1,900,000 | 62.0% |
| Sunbelt Logistics Park | Real Estate | $4,000,000 | $4,000,000 | $0 | 100.0% |
| Alder Health Partners | Private Equity | $4,000,000 | $4,000,000 | $0 | 100.0% |
| Granite Peak Fund III | Private Equity | $4,000,000 | $3,600,000 | $400,000 | 90.0% |
| Crosswater Portfolio | Real Estate | $3,600,000 | $3,600,000 | $0 | 100.0% |
| Riverstone Precision | Private Equity | $3,200,000 | $3,200,000 | $0 | 100.0% |
| Riverbend Commons | Real Estate | $3,100,000 | $3,100,000 | $0 | 100.0% |
| Cedar Ridge Ventures V | Venture Capital | $3,000,000 | $1,230,000 | $1,770,000 | 41.0% |
| Northgate III | Private Equity | $3,000,000 | $2,400,000 | $600,000 | 80.0% |
| Eastport Distribution Center | Real Estate | $2,800,000 | $2,800,000 | $0 | 100.0% |
| Orchard Software Group | Private Equity | $2,750,000 | $2,750,000 | $0 | 100.0% |
| Maple Court Apartments | Real Estate | $2,500,000 | $2,500,000 | $0 | 100.0% |
| Lakeshore II | Private Equity | $2,500,000 | $2,500,000 | $0 | 100.0% |
| Beacon Credit Fund II | Private Credit | $2,500,000 | $2,200,000 | $300,000 | 88.0% |
| Lakeshore Terrace | Real Estate | $2,200,000 | $2,200,000 | $0 | 100.0% |
| Clearwater Dental Partners | Private Equity | $2,000,000 | $2,000,000 | $0 | 100.0% |
| Intercompany Loan: Northwind Holdings LLC | Private Credit | $2,000,000 | $2,000,000 | $0 | 100.0% |
| Oakline Flats | Real Estate | $1,900,000 | $1,900,000 | $0 | 100.0% |
| Northgate Plaza | Real Estate | $1,750,000 | $1,750,000 | $0 | 100.0% |
| Pinecrest Senior Living | Real Estate | $1,500,000 | $1,500,000 | $0 | 100.0% |
| Summit Packaging Term Loan | Private Credit | $1,500,000 | $1,500,000 | $0 | 100.0% |
| Summitwoods Apartments | Real Estate | $1,400,000 | $1,400,000 | $0 | 100.0% |
| Northwind Art Collection | Alternative Investments | $1,240,000 | $1,240,000 | $0 | 100.0% |
| Clearwater Storage | Real Estate | $1,200,000 | $1,200,000 | $0 | 100.0% |
| Westfield Bridge Loan | Private Credit | $1,200,000 | $1,200,000 | $0 | 100.0% |
| Lakeshore Terrace Mezz Loan | Private Credit | $1,000,000 | $1,000,000 | $0 | 100.0% |
| Willow Creek Shops | Real Estate | $900,000 | $900,000 | $0 | 100.0% |
| Birch Lane Townhomes | Real Estate | $800,000 | $800,000 | $0 | 100.0% |
| Pathline | Venture Capital | $750,000 | $750,000 | $0 | 100.0% |
| Northwind Coffee Term Note | Private Credit | $750,000 | $750,000 | $0 | 100.0% |
| Tessera Diagnostics | Venture Capital | $500,000 | $500,000 | $0 | 100.0% |
| Vintage Watch Collection | Alternative Investments | $380,000 | $380,000 | $0 | 100.0% |
| Helios Robotics | Venture Capital | $250,000 | $250,000 | $0 | 100.0% |
| Burgundy and Barolo Cellar | Alternative Investments | $210,000 | $210,000 | $0 | 100.0% |
| TOTAL | $69,380,000 | $64,410,000 | $4,970,000 | ||
Property-Level Mortgage Debt
Mortgage debt is held by the property-owning LLC that took the loan — not a direct obligation of the family office. Balances are gross, property-level. Total $107,303,000 · interest run-rate ~$506,724/mo.
| Lender | Type | Balance | Rate | Maturity | Amort |
|---|---|---|---|---|---|
| Lakeside Agency Lending | Fixed | $21,753,600 | 4.63% | 2031-04-18 | Amortizing |
| Northwind Bank | Fixed | $20,741,600 | 6.13% | 2027-02-13 | Amortizing |
| Keystone Life Insurance Co. | Floating | $11,202,900 | 6.79% | 2034-08-07 | IO |
| Northwind Bank | Floating | $8,836,800 | 6.73% | 2032-05-09 | IO |
| Carolina Mutual | Fixed | $8,289,800 | 5.04% | 2026-09-29 | Amortizing |
| Keystone Life Insurance Co. | Fixed | $8,118,800 | 4.74% | 2026-07-30 | Amortizing |
| Summit Regional Bank | Floating | $7,874,500 | 5.82% | 2029-10-31 | IO |
| Keystone Life Insurance Co. | Fixed | $6,202,100 | 5.41% | 2030-07-17 | Amortizing |
| Lakeside Agency Lending | Fixed | $4,353,900 | 6.13% | 2028-03-06 | Amortizing |
| Northwind Bank | Fixed | $3,744,700 | 6.55% | 2027-06-14 | Amortizing |
| Summit Regional Bank | Fixed | $2,723,000 | 5.11% | 2030-10-20 | Amortizing |
| Summit Regional Bank | Fixed | $1,982,600 | 6.51% | 2030-10-03 | Amortizing |
| Maturity Year | Amount | % of Debt |
|---|---|---|
| 2026 | $16,408,600 | 15.3% |
| 2027 | $24,486,300 | 22.8% |
| 2028 | $4,353,900 | 4.1% |
| 2029 | $7,874,500 | 7.3% |
| 2030 | $10,907,700 | 10.2% |
| 2031 | $23,232,300 | 21.7% |
| 2032 | $8,836,800 | 8.2% |
| 2034 | $11,202,900 | 10.4% |
13-Week Forecast & Income
| Beginning cash balance | $9,651,000 |
| Projected distributions / income (13-wk) | $1,583,300 |
| Projected operating expenses (13-wk) | ($171,902) |
| Projected investments / capital calls (13-wk) | ($480,000) |
| Annualized cash interest income | $166,692 |
Forecast modeled from 16 platform cash-forecast items (coarse categories); refresh the cash-forecast import for current detail.
Confidential — Family Office App Demo Family Office · Generated from FO Platform live data