Upload an SBA 7(a) GIC/COOF pool and turn it into institutional-grade analytics in one session — stratifications, payment and prepayment history, three credit models, cash-flow projections, and a pricing calculator, all the way to a board-ready Excel report.
Everything an SBA desk needs to understand, defend, and price a GIC/COOF portfolio, without stitching together spreadsheets, valuation models, and reporting tools.
Drop in a loan-list CSV, set your cutoff and settlement dates, pick your pools, and get summary cards and lender, industry, and state concentration tables instantly — no modeling setup.
Run the same pool through a Baseline curve, the Q-SBA Repline, and an ML/XGBoost model — and see how prepayment and default assumptions move value before you commit to a number.
Project monthly cash flows with CPR/CDR sensitivity and a built-in pricing calculator that solves yields across rate and spread scenarios — walk into a bid knowing your number holds.
A full loan tape with search, sort, and CSV export sits beside stratifications across seven dimensions — deal, term, balance, industry, lender, state, and loan status.
Community Reinvestment Act credit attributed by segment and ZIP code, so the compliance view comes out of the same analysis as the valuation — not a separate scramble.
Export a formatted Excel workbook with every analytics tab, or run the whole pipeline headless in batch mode to refresh reporting on a schedule.
Six analytics modules carry a single uploaded pool from raw loan tape all the way to a defensible valuation and a board-ready report.
Upload a loan-list CSV, set your cutoff and settlement dates, and select pools. Instantly get summary cards for balances, rates, and term profile, plus lender, industry, and state concentration tables. Active loans missing at the cutoff are carried forward at their last known balance, and per-loan strip-rate overrides flow straight from the upload.
The work that used to mean a morning of spreadsheet wrangling becomes a 30-second upload — with the concentration view your risk team asks for already built.
Stratification tables across seven dimensions — deal, term, original balance, industry, lender, state, and loan status — sit alongside a full loan-level tape with search, sort, pagination, and one-click CSV download. Move from the portfolio summary to a single loan without leaving the screen.
Due diligence questions don't stop at averages. When a buyer asks about your sub-$150K, 25-year bucket, the answer is one click away.
| Term | Loans | Balance | WAC | WAM |
|---|---|---|---|---|
| ≤ 120 mo | 186 | $9.2M | 10.12% | 74 |
| 121–180 | 241 | $22.8M | 9.64% | 132 |
| 181–240 | 372 | $41.5M | 9.33% | 196 |
| 241–300 | 318 | $36.1M | 9.08% | 248 |
| > 300 mo | 167 | $15.0M | 8.81% | 289 |
Pool and loan-level payment summaries, payoff reasons, and payoff history come with CPR and SMM analytics rendered as stacked-area and line charts. See voluntary versus involuntary prepayment over time so your forward assumptions are anchored to your pool's own track record — not a generic curve.
A pool that prepays faster than the market is worth a different price. Now you can prove it with its own payment history.
Choose among three credit-curve models — a Baseline curve, the Q-SBA Repline, and an ML/XGBoost model — then project monthly cash flows with CPR/CDR sensitivity. The pricing calculator solves yields across rate and spread scenarios, so you can move from assumptions to a defensible number in the same view.
Comparing model outputs side by side turns "what's it worth?" from a debate into a documented, scenario-tested answer.
Six modules, three credit models, and two export paths — everything needed to take a GIC/COOF pool from upload to a defensible price.
CSV upload with cutoff/settlement config, summary cards, concentration tables, and stratifications across seven dimensions.
Full loan-level data with search, sort, pagination, and one-click CSV download — every loan in the pool.
Pool and loan-level payment detail, payoff reasons, and payoff history with CPR/SMM analytics and charts.
Community Reinvestment Act attribution tracking by segment and ZIP code, ready for compliance reporting.
Three credit models (Baseline, Q-SBA Repline, ML/XGBoost), monthly cash flows with CPR/CDR sensitivity, and a scenario pricing calculator.
Formatted Excel workbook with every analytics tab, plus headless batch execution for scheduled reporting.
Request a walkthrough of the Q-SBA Portfolio Analyzer and take a pool from loan tape to priced in one session.
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