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SBA Loan Yield Calculator

Calculate Your Earnings!

See how much non-interest
fee income you can gain.
Enter your SBA loan information.
We’ll provide the estimate.

Rate (%) Loan Amount ($)
Term (yrs) Sale Premium (%)
Bank Cost of Funds (%)
Guarantee (%)
Loan Sold Loan Unsold
Calculation of Sale Premium
Loan Amount $0 $0
Guaranteed Portion 0 0
Unguaranteed Portion $0 $0
Sale Premium 0  
Premium to Bank $0  
Net Return from SBA Loan
Loan Sold Loan Unsold
Yield Analysis Comparison
(includes Net Premium)
Return on Yield – Year 1
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0 0
Return on Yield – Year 2
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0 0
Average 2-Year Return 0 0
Year 1 Year 2 2-Year Average
SBA Loan Sold
SBA Loan Unsold
Note: Average life of SBA loan is 3.5 years
Loan Sold Loan Unsold
Yield Analysis Comparison - Year 1
Interest on Unguaranteed Portion $11903 $11903
Interest on Guaranteed Portion   35709
Gross Premium 0
Less: SBA Ongoing Service Fee Expenses
(0.55% of Guaranteed Portion)
0
Less: Bank Cost of Funds 0 0
Servicing Rebate From H&M
(1.00% @ .25% of Sold Amount)
0  
Total Income 0 0
Bank At Risk Capital Required $0 $0
Return on At Risk Amount 0 0
Return On Yield - Year 1 0 0
* Note--If lender opts NOT to sell the guaranteed portion of an SBA 7(a) loan, they are obligated for the ongoing servicing fee expense of 0.55% on the guaranteed balance. This effectively reduces the interst rate. If the loan guaranty is sold to an investor, this expense is absorbed by the holder of the guaranty. This ongoing servicing fee expense is reflected in premium levels paid by investors.
Loan Sold Loan Unsold
Yield Analysis Comparison - Year 2
Interest on Unguaranteed Portion $11684 $11684
Interest on Guaranteed Portion   35051
Less: SBA Ongoing Service Fee Expenses
(0.55% of Guaranteed Portion)
3120
Less: Bank Cost of Funds 5893 23573
Servicing Rebate From H&M
(1.00% @ .25% of Sold Amount)
0  
Total Income 0 0
Bank At Risk Capital Required $196440 $785760
Return on At Risk Amount 0 0
Return On Yield - Year 2 0 0
* Note--If lender opts NOT to sell the guaranteed portion of an SBA 7(a) loan, they are obligated for the ongoing servicing fee expense of 0.55% on the guaranteed balance. This effectively reduces the interst rate. If the loan guaranty is sold to an investor, this expense is absorbed by the holder of the guaranty. This ongoing servicing fee expense is reflected in premium levels paid by investors.