Bank Partner Tools
Interactive calculators for evaluating government-guaranteed lending economics, comparing infrastructure models, and analyzing portfolio risk when partnering with Lendesca.
Net ROI
18.4%
IRR
22.7%
Yield Spread
3.8%
Annual Cost Saved
$340K
Time to Profitability
8 mo
Gov. Guarantee
75%
Net Loss Exposure
2.1%
Explore the Calculators
Select a tool below to begin modeling the economics of government-guaranteed lending for your institution when partnering with Lendesca.
Individual SBA 7(a) Loan Economics & ROI Calculator
Model the full economics of an individual SBA 7(a) loan — including yield, guarantee fees, servicing costs, premium income, and net ROI — to evaluate whether Lendesca's loan opportunities meet your institution's return thresholds.
Bank In-house vs. LSP Model Calculator
Compare the total cost structure, staffing requirements, and projected returns of building an in-house SBA lending operation versus partnering with Lendesca.
Charge-Off Analysis Calculator
Analyze the financial impact of SBA loan charge-offs on your portfolio, including recovery rates under government guarantees, net loss exposure, and how charge-off scenarios compare to conventional commercial lending.
Why These Tools Matter
Entering or expanding government-guaranteed lending is a strategic decision that requires careful financial analysis. These calculators give your team the quantitative foundation needed to evaluate the opportunity with confidence.
Whether you are considering launching an SBA program for the first time, evaluating an LSP partnership model, or stress-testing your existing portfolio against charge-off scenarios, these tools provide the clarity you need.
Want to Walk Through the Numbers With Our Team?
Our partnership team can provide a personalized analysis based on your institution's specific lending goals, balance sheet strategy, and market position.
Schedule a Partnership Discussion