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Checking published Treasury and Prime rates… Published indexes are estimates, not lender rate locks. You may overwrite any field. CDC effective rates are published monthly; verify with your CDC.

Deal information

Borrower / project namePrepared byEstimate date

Bank first mortgage

Bank first loan ($)5-year Treasury index (%)Bank margin (%)Amortization (years)Loan maturity (years)Rate reset (years)

Temporary bank second — interest only

Temporary loan ($)U.S. Prime Rate (%)Bridge margin (%)Estimated bridge duration (months)Interest calculation basisIllustrative days in payment period

Permanent CDC / SBA 504 loan

CDC debenture principal ($)Estimated all-in CDC note rate (%)CDC term (years)

Checking published SBA 504 effective rates…

Enter the CDC's estimated all-in borrower note rate, not simply the debenture bond yield. Financed fees may increase the final CDC principal.

Payment comparison

Bank first P&I—Awaiting Treasury index

Total during bridge period—Bank first + interest-only second

Total after CDC funding—Bank first + permanent CDC payment

Temporary interest-only payment (illustrative period)	—
Temporary bridge interest rate	—
Permanent CDC principal & interest	—
Monthly payment difference after funding	—
First mortgage estimated balance at 10-year maturity*	—

*Assumes the entered initial rate remains unchanged; actual payments and maturity balance may differ at resets. Actual/365 bridge interest is calculated for the entered days, not as a fixed monthly amortized payment. Taxes, insurance, fees, escrow and CDC servicing/other charges not embedded in the entered rate are excluded.

Borrower summary

Enter rates above to generate the estimate.

For discussion purposes only. Not a commitment, loan estimate, guaranteed rate, or final payment quote. Index values and CDC debenture rates must be verified with the lender and CDC. SBA 504 funding and debenture pricing dates can change.

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