Automated Loan Payoff Calculator forCommercial Lenders
Stop spending 40+ minutes per payoff calculation. PayoffAgent's AI-powered loan payoff calculator delivers accurate results in under 2 minutes—automatically.
The Problem with Manual Payoff Calculations
Manual Process
- • 40-50 minutes per payoff request
- • Searching for loan documents in SharePoint
- • Manually extracting loan terms from PDFs
- • Complex calculations prone to human error
- • Recreating payoff letters in Word
- • Inconsistent formatting and presentation
- • No audit trail of calculations
PayoffAgent
- • Under 2 minutes per payoff
- • Automatic document retrieval from SharePoint
- • AI extraction of all loan terms
- • Accurate calculations every time
- • Professional letters generated instantly
- • Consistent, branded documentation
- • Complete audit trail built-in
Built for Commercial Loan Servicing
PayoffAgent handles the complexity of commercial lending—from variable rates to prepayment penalties to balloon payments.
Complex Loan Structures
Handles variable interest rates (Prime, SOFR-based), step payment schedules, balloon payments, and multiple prepayment penalty tiers.
Day Count Conventions
Automatically applies the correct day count convention: Actual/360, Actual/365, 30/360, and more. No more manual calculations.
Prepayment Penalties
Automatically calculates tiered prepayment penalties, yield maintenance, and defeasance based on your loan terms.
Professional Documentation
Generates comprehensive payoff letters with detailed breakdowns, methodology, and assumptions—ready to send to borrowers.
SharePoint Integration
Connects directly to your SharePoint libraries. Automatically retrieves loan agreements and saves payoff letters back—no manual file management.
Complete Audit Trail
Every calculation is logged with user, timestamp, and source documents. Perfect for compliance and regulatory requirements.
Calculate Your ROI
See how much time and money you'll save with automated payoff calculations.
Your Savings with PayoffAgent
Based on 100 payoffs/month saving 40 minutes each at $35/hour vs. PayoffAgent Professional at $999/month
Perfect for Commercial Lenders
Equipment Finance Companies
Streamline payoff calculations for equipment loans with complex terms, including step payment schedules and prepayment penalties.
- • Heavy equipment financing
- • Vehicle fleet financing
- • Medical equipment loans
- • Technology & IT equipment
Commercial Real Estate Lenders
Handle complex CRE loans with variable rates, yield maintenance, and defeasance calculations automatically.
- • Multifamily properties
- • Office & retail buildings
- • Industrial facilities
- • Mixed-use developments
Asset-Based Lenders
Quickly calculate payoffs for revolving credit facilities and term loans secured by business assets.
- • Accounts receivable financing
- • Inventory financing
- • Machinery & equipment
- • Business acquisition loans
Business Development Companies
Manage payoff calculations for middle-market loans with complex structures and multiple tranches.
- • Senior secured loans
- • Subordinated debt
- • Mezzanine financing
- • Unitranche facilities
Ready to Automate Your Payoff Calculations?
See PayoffAgent in action. Schedule a personalized demo and discover how we can save your team 800+ hours per year.
Schedule Your Demo