Loan Pricing Calculator — Spring Creek Advisory

This tool uses forward SOFR rate curve data to price a loan two comparable ways — a floating rate that moves with the market, and the fixed rate with the same expected economics — allowing banks and borrowers to weigh fixed and variable pricing options on equal footing. Enter your bank’s FDIC certificate number in Section 3 to see the projected margin each option earns over your institution’s own cost of funds. Methodology & audit →

1 Loan Structure

I know the

Enter a spread over the index; the tool solves the equivalent fixed rate.

Loan Amount

Term (Months)

Amortization (Months) (0 = none)i

Draw Period (Months) (interest-only)

Interest-Only (Months) (after draw ends)

Floating Index

Credit Spread (negative OK)i

bps

All-In Floor (optional)

All-In Ceiling (optional)

Accrual Basisi

Origination Fee (optional)

2 Comparable Quotes

Floating — 1M Term SOFRi

First monthly payment

Avg projected rate over term

Projected total interest

Balloon at maturity

Fixed-Rate Equivalenti

Same expected economics as the floating option, priced off the same forward curve.

Monthly payment

Rate certainty100%

Total interest

Balloon at maturity

About the rate projections: projected floating rates are read from the forward curve for the selected index — the path of future rates implied by current market pricing of SOFR futures and interest rate swaps, updated each business day (curve date shown above). The forward curve is the market’s collective pricing of future rates, not a forecast made by this tool; actual rates will differ from it, which is what the rate scenarios below illustrate.

Rate scenarios — floating option total interest if rates run above/below the forward curvei

Scenario	Avg All-In Rate	Total Interest	Floating vs. Fixed — Borrower’s Cost

Year-by-year comparison

Year	Floating Avg Rate	Floating Interest	Fixed Interest	End Balance

These results are illustrative projections only and are not an official document. They do not constitute an offer, commitment, rate lock, amortization disclosure, or payoff statement. Actual interest and payments will vary with the terms of the executed note, including payment dates, day-count and rounding conventions, timing of draws, prepayments, and actual index resets.

3 Bank Funding Analysis (optional)

Enter your bank's FDIC certificate number to analyze its historical cost of funds against SOFR and project funding costs over the loan term. Uses public Call Report data — nothing is stored.

FDIC Cert Number

Capital Ratio

Tax Rate

Current cost of funds i

Funding beta — rising ratesi

Funding beta — falling rates

Repricing lagi

Cost of funds (actual) SOFR quarterly avg SOFR (forward curve) Cost of funds (projected)

Projected margin over your bank's funding

Year	Projected CoF	Floating Margin	Fixed Margin

Projected loan income statement and return on equityi

Per Year, Averaged Over Term