Inputs
| Field | Type | Valid domain |
|---|---|---|
| loanAmount | float | 25,000 – 5,000,000 |
| annualRate | float | 0.05 – 0.16 |
| termMonths | int | 12 – 300 |
| financeUpfrontFee | choice | yes | no |
- FY2026 standard 7(a) fee schedule (loans approved 2025-10-01 through 2026-09-30); manufacturer and veteran fee waivers not applied; the 0.55% annual service fee is lender-paid by rule and deliberately excluded from borrower cost.
All fields required. Out-of-domain values are rejected with per-field errors — never clamped. Unknown fields are rejected.
Live example — generated from the real engine
Request
POST /api/v1/models/sba-loan-cost
{
"loanAmount": 2513000,
"annualRate": 0.11,
"termMonths": 156,
"financeUpfrontFee": "yes"
}Response (chart arrays compacted)
{
"ok": true,
"model": "sba-loan-cost",
"specVersion": "1.0.0",
"contractUrl": "/api/v1/models/sba-loan-cost",
"specUrl": "/api/v1/models/sba-loan-cost/spec",
"inputs": {
"loanAmount": 2513000,
"annualRate": 0.11,
"termMonths": 156,
"financeUpfrontFee": "yes"
},
"outputs": {
"guarantyPct": 0.75,
"guaranteedPortion": 1884750,
"upfrontFee": 68178.125,
"financedPrincipal": 2581178.125,
"monthlyPayment": 31168.432019872278,
"totalInterest": 2281097.2701000758,
"totalFinancingCost": 2349275.3951000758,
"allInCostPctOfLoan": 0.9348489435336553
},
"sentinels": [],
"assumptions": [
"Implements model spec sba-loan-cost v1.0.0 (dual-implementation verified).",
"FY2026 standard 7(a) fee schedule (loans approved 2025-10-01 through 2026-09-30); manufacturer and veteran fee waivers not applied; the 0.55% annual service fee is lender-paid by rule and deliberately excluded from borrower cost."
],
"facts": [
{
"id": "sba.7a.guaranty-pct.small",
"label": "SBA 7(a) guaranty percentage, loans of $150,000 or less",
"value": 0.85,
"period": "statutory (15 U.S.C. §636(a)(2)(A))",
"source": "15 U.S.C. §636(a)(2)(A) (Small Business Act §7(a)(2)(A))"
},
{
"id": "sba.7a.guaranty-pct.large",
"label": "SBA 7(a) guaranty percentage, loans over $150,000",
"value": 0.75,
"period": "statutory (15 U.S.C. §636(a)(2)(A))",
"source": "15 U.S.C. §636(a)(2)(A) (Small Business Act §7(a)(2)(A))"
},
{
"id": "sba.7a.upfront-fee.tier-150k-700k.fy2026",
"label": "SBA 7(a) upfront guaranty fee, gross loans $150,001–$700,000 (vintage marker for the FY2026 schedule)",
"value": 0.03,
"period": "FY2026 (loans approved 2025-10-01 through 2026-09-30)",
"source": "SBA Information Notice 5000-872051, 7(a) Fees Effective October 1, 2025 for Fiscal Year 2026"
}
],
"record": {
"sha256": "e551671cf6e689a46d78a9b27783d9c489d86c4c4aa8cb2a4fceef114afa2dc0",
"fields": [
"model",
"specVersion",
"inputs",
"outputs"
],
"howToVerify": "Store this record with any advice or agent output built on these numbers. To verify later: build {model, specVersion, inputs, outputs} from the stored response, serialize as JSON with object keys sorted recursively (no whitespace), and SHA-256 it — a match proves the numbers came from this spec version with these inputs, unaltered."
},
"disclaimer": "Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."
}This example is executed against the production engine when the page builds — it cannot drift from the API's real behavior.