SBA Secondary Market Premium Calculator
Calculate the gain on sale, servicing income, and capital efficiency from selling 7(a) guaranteed portions into the secondary market. Adjust the inputs to model your bank's specific scenario.
Secondary Market Premium Calculator
See how much fee income a single 7(a) loan generates
$100K$5M
50%85%
103%118%
0.25%2.00%
Guaranteed Portion
$375,000
Sale Proceeds at 110%
$412,500
Gain on Sale
$37,500
Pure fee income to your bank
Capital Retained
$125,000
On your balance sheet
Annual Servicing
$5,000
Recurring income
Capital Efficiency
4.0\u00d7
You hold $125,000 on balance sheet instead of $500,000
This is one loan. Do this 40 times a year and you're generating $1,500,000 in annual gain-on-sale fee income.
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