--- title: "Cost Per Funded Loan Calculator (Free, No Signup) | FunnelFi" url: https://funnelfi.ai/tools/cost-per-funded-loan-calculator description: "Free calculator for SMB lenders. Enter lead volume, cost per lead, contact/qualified/close rates, and see cost per funded loan, plus a side-by-side model with a real-time pre-qualification layer." lang: en --- Free Tool No signup · Nothing stored # What are you actually payingper funded loan? Drop in your funnel numbers. See CPFL today, and how a real-time pre-qualification layer would move it. Live, private, no signup. Your inputs Advanced, pre-qual per-lead cost Today, no pre-qualification layer Total lead spend $135,000 Contacted 1,140 Qualified 137 Funded loans 25 Cost per funded loan $5,400 With FunnelFi pre-qualification Total lead + pre-qual spend $150,000 Contacted 1,140 Qualified 342 Funded loans 75 Cost per funded loan $2,000 Modeled impact −$3,400 CPFL reduction (63%) +50 Additional funded loans / month Talk to us about this (https://funnelfi.ai/schedule-call) Benchmarks ## Cost per funded loan, where operators land Read across paid inbound SMB lending channels. Product mix and channel skew move the bands ±20%, but the shape holds. Healthy $1,500 – $3,500 Tight qualification layer, reps only touch files that can fund. Watch $3,500 – $5,000 Speed-to-lead or qualified-rate leaking. Tune thresholds first. Qualification gap \> $5,000 Reps are burning paid dials on files that were never going to fund. How to use it ## Pull these five numbers from your CRM. Use rolling 90-day averages. Do _not_ exclude "bad" sources or "bad" reps. unit economics only work when the denominator is real. Read the full pre-qualification playbook (https://funnelfi.ai/playbooks/smb-lender-lead-pre-qualification) 1. 01 Leads / month Total inbound records created in the last 90 days, divided by 3. 2. 02 Cost per lead Fully loaded, media + affiliate/lead-buy + tooling, divided by leads. 3. 03 Contact rate Unique leads with at least one live conversation ÷ leads created. 4. 04 Qualified rate Files that passed your minimum eligibility bar ÷ contacted leads. 5. 05 Close rate on qualified Funded loans ÷ qualified files. ### See how FunnelFi moves your CPFL, with your real data. 30-minute demo. We audit your funnel, model the CPFL impact, and quote the exact rollout. Schedule Demo: https://funnelfi.ai/schedule-call See pricing: https://funnelfi.ai/pricing FAQ ## Frequently asked questions - What is a good cost per funded loan for SMB lenders? Benchmarks vary by product and channel, but healthy operators land between $1,500 and $3,500 per funded loan on paid inbound channels. Above $5,000 usually signals a qualification problem, too many paid dials are hitting files that were never going to fund. - How does a pre-qualification layer change cost per funded loan? In deployments we've studied, adding a real-time soft-pull + program-fit layer at intake raises the qualified rate from ~12% to ~30%+, which typically drops cost per funded loan by 50–70% within 30 days, even after the added per-lead pre-qual cost. - Should I count rep salary in cost per funded loan? Yes, if you want the true unit economic. This calculator focuses on the lead + qualification spend so the diagnostic is fast. Add fully-loaded rep cost per funded loan as a separate line to see the fully-loaded number. - What contact rate is realistic for SMB lending inbound leads? Well-run SMB dialer teams contact 35–45% of inbound leads within 24 hours. Below 25% usually means the dialer, dispositions, or speed-to-lead is broken, a qualification layer will not fix that. - Does this calculator work for mortgage lenders? The math generalizes, but mortgage pull-through and cost-per-funded-loan look very different from SMB. We are shipping a mortgage-specific calculator in the next tools batch, join the newsletter to be notified. ## Structured data ```json [ { "@context": "https://schema.org", "@graph": [ { "@type": "Organization", "@id": "https://funnelfi.ai/#organization", "name": "FunnelFi", "url": "https://funnelfi.ai", "logo": "https://funnelfi.ai/favicon.png", "sameAs": [] }, { "@type": "WebSite", "@id": "https://funnelfi.ai/#website", "url": "https://funnelfi.ai", "name": "FunnelFi", "publisher": { "@id": "https://funnelfi.ai/#organization" } } ] }, { "@context": "https://schema.org", "@type": "WebPage", "name": "Cost Per Funded Loan Calculator", "description": "Free calculator for SMB lenders. 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Above $5,000 usually signals a qualification problem, too many paid dials are hitting files that were never going to fund." } }, { "@type": "Question", "name": "How does a pre-qualification layer change cost per funded loan?", "acceptedAnswer": { "@type": "Answer", "text": "In deployments we've studied, adding a real-time soft-pull + program-fit layer at intake raises the qualified rate from ~12% to ~30%+, which typically drops cost per funded loan by 50–70% within 30 days, even after the added per-lead pre-qual cost." } }, { "@type": "Question", "name": "Should I count rep salary in cost per funded loan?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, if you want the true unit economic. This calculator focuses on the lead + qualification spend so the diagnostic is fast. 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