Upload your loan tape and let Q-SBA Originator form the pools that maximize value — then see the full four-component ASC 860 best-execution picture: GIC sale proceeds, the COOF strip, servicing rights, and your retained unguaranteed portion, all the way to net gain on sale.
Everything an SBA lending desk needs to form pools, evaluate secondary-market execution, and book the full economics of a sale — without spreadsheets or a separate valuation model.
GIC sale proceeds, the COOF strip, the servicing rights asset, and your retained unguaranteed portion in one ASC 860 valuation — so you book the full economics of every sale, not just the guaranteed piece.
The engine pre-scores every loan with ML prepayment and default curves, generates candidate pools, and selects non-overlapping optimal compositions — instead of hand-assembling tapes in a spreadsheet.
A sensitivity grid across rate scenarios with projected guaranteed-portion cash flows shows how your proceeds move — so you know your best execution before you take a pool to market.
Model a full trust waterfall on the retained unguaranteed portion — capital structure, per-lender economics, and a sell-versus-hold comparison stressed across CDR scenarios.
CRA qualifying percentage by category — poverty, unemployment, population loss, and remote rural — with premium estimation and CRA-optimal loan suggestions built into pool formation.
Drag-and-drop tape ingestion with auto-detected column mapping and saved templates. Guarantee percentage is resolved at the loan level — user value, SBA approval amount, or statutory default.
Seven modules carry a single loan tape from ingestion through pool formation to a defensible, four-component best-execution valuation.
Drag-and-drop a loan tape and the app auto-detects your column mapping — save it as a template for next time. It resolves each loan's SBA guarantee percentage (your value, the approval amount, or the statutory 85/75% default), then builds pool KPIs, stratifications, and industry and state concentration instantly.
Every lender's tape has different columns. Auto-mapping plus saved templates turns a fiddly import into a 30-second step — with the guarantee split already handled.
Set your pricing assumptions, pool constraints, and credit-curve parameters. The optimizer pre-scores every loan with ML prepayment and default curves, generates candidate pool compositions, scores each on net gain, and selects the non-overlapping set of optimal pools — work that's impractical to do by hand.
The difference between a good pool and an optimal one is real basis points. The optimizer finds them across thousands of combinations you'd never test manually.
| Pool | Loans | Balance | Net Gain | |
|---|---|---|---|---|
| Pool A | 54 | $8.1M | 9.84% | ✓ |
| Pool B | 61 | $9.6M | 9.41% | ✓ |
| Pool C | 48 | $7.2M | 8.97% | |
| Pool D | 39 | $5.9M | 8.55% | |
| Pool E | 44 | $6.4M | 8.12% |
The four-component ASC 860 breakdown: GIC sale proceeds, the COOF interest-only strip, the servicing rights asset, and the retained unguaranteed portion net of its ASC 860 discount — resolving to a clean net gain on sale. Export pool-level results to CSV for your gain-on-sale entry.
Booking only the guaranteed sale understates the deal. Capturing all four components is the difference between an approximate gain and the real one.
Run a trust-waterfall execution on the retained unguaranteed portion: a capital structure of Class A notes, over-collateralization certificates, and a reserve, with per-lender economics and monthly waterfall cash flows. Compare selling the strip against holding it across CDR stress levels.
The unguaranteed piece is where lenders leave money — or take hidden risk. Modeling the waterfall turns "hold it on the books" into a priced, stress-tested decision.
Seven modules covering the entire path from a raw loan tape to a priced, ASC 860 best-execution decision.
Drag-and-drop ingestion with auto-detected column mapping, saved templates, and loan-level guarantee-percentage resolution.
Pool summary KPIs, stratification tables, and industry and state concentration across your eligible loans.
ML-scored candidate pools with configurable constraints and automatic selection of non-overlapping optimal compositions.
Price-sensitivity grid across rate scenarios with projected guaranteed-portion cash flows.
Four-component ASC 860 valuation — GIC, COOF, servicing rights, and retained unguaranteed — resolving to net gain on sale, with CSV export.
Unguaranteed trust-waterfall execution with sell-vs-hold scenarios, plus CRA scoring, premium estimation, and CRA-optimal loan suggestions.
Request a walkthrough of Q-SBA Originator and take a loan tape from upload to optimized pools and full ASC 860 economics.
Request a Demo