Warehouse Capacity
Warehouse capacity is the total available cash value across all policies in your household that could potentially be accessed via policy loans. It represents the size of your capital warehouse — the pool of capital available within your banking system.
Warehouse capacity is calculated as:
Total Cash Value (all policies) − Total Outstanding Loan Balances = Warehouse Capacity
This metric tells you how much capital remains accessible without taking new loans beyond what the carrier would allow. In practice, carriers typically allow loans up to 90–95% of cash value, so the theoretical maximum deployment is slightly less than the full cash value.
In whole life banking, building warehouse capacity is the foundational activity. Premiums — especially Paid-Up Additions — increase cash value, which grows the warehouse. Policy loans that have not yet been repaid reduce the available capacity.
Policy Stack displays warehouse capacity on your dashboard as part of the system position overview. It updates automatically when you record new snapshots or when loan balances change.
Warehouse capacity is a point-in-time figure based on your most recent snapshots. It does not account for future premium payments, projected cash value growth, or pending loan repayments.
Related terms: Available Cash Value, System Position, Cash Value, System Phase