Lending & investment · Defined
Loan in balance
A financing concept comparing remaining available funding with the amount required to complete the project under the loan’s defined test.
Why it matters
The loan agreement controls the calculation. Unapproved savings, disputed changes, or anticipated equity should not be treated as available cash without explaining their status.
In practice
A project example
Undisbursed funds cover the contractor’s balance but not an unfunded owner-direct utility scope. The apparent balance requires further review.
General educational guidance from KOW Building Consultants. Examples are illustrative, not project records. The applicable contract, standard, program, and jurisdiction control the requirements for a specific assignment.