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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 | (%) | |
| Term | (yrs) |
| Bank Cost of Funds | (%) | |
| Guarantee | (%) |
| Loan Amount | ($) | |
| Sale Premium | (%) |
Calculation of Sale Premium
| Loan Sold | Loan Unsold | |
| Loan Amount | $0 | $0 |
| Guaranteed Portion | 0 | 0 |
| Unguaranteed Portion | $0 | $0 |
| Sale Premium | 0 | |
| Premium to Bank | $0 |
|
|
Year 1
Year 2
2-Year Average
SBA Loan Sold |
SBA Loan Unsold |
Note: Average life of SBA loan is 3.5 years
Net Return from SBA Loan
| Yield Analysis Comparison (includes Net Premium) |
Loan Sold | Loan Unsold |
| Return on Yield – Year 1 Click for Details |
0 | 0 |
| Return on Yield – Year 2 Click for Details |
0 | 0 |
| Average 2-Year Return | 0 | 0 |
Yield Analysis Comparison - Year 1
| Loan Sold | Loan Unsold | |
| 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. | ||
Yield Analysis Comparison - Year 2
| Loan Sold | Loan Unsold | |
| 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. | ||
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