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Bullet vs Amortising Debt: Designing Maturity Ladders That Survive Downturns
February 14, 2026by Dr Dawkins Brown
Executive Summary The repayment profile of debt—bullet (principal due at maturity) versus amortising (principal repaid over time)—is one of the most underappreciated drivers of capital structure risk. Bullet debt can preserve near-term liquidity and improve strategic flexibility, but it concentrates refinancing risk. Amortising debt reduces refinancing exposure by steadily paying down principal, but it...
