Loan Exit Fee Calculator

Bridge and construction lenders charge exit fees at payoff. This calculator sizes the fee against commitment or outstanding balance.

Original commitment

Outstanding at payoff

Exit fee (bps)

Basis

Minimum fee

Exit fee

$60,000

Fee in bps of outstanding

83.3

Effective rate bump (bps)

83.3

How the math works

Fee = basis × bps, or the minimum if greater. Balance basis rewards partial drawdowns; commitment basis does not.

Size exit fees against total financing cost, not just rate. A 50 bps exit on an 18-month bridge adds ~33 bps to effective annual cost — before origination. Always model all-in cost before choosing lenders.

How to Use

Enter original commitment or outstanding balance.
Enter exit fee basis points.
Select basis (commitment vs balance).
Enter minimum fee if any.
Read the exit fee.

Frequently Asked Questions

Typical exit fees?

Bridge loans: 25-100 bps of commitment. Construction loans: 50-150 bps of commitment. Mezzanine: 100-300 bps. Often non-negotiable once committed; push at term sheet stage.

Commitment or balance?

Commitment-based fees apply to the original loan amount regardless of drawdowns — punitive on partially-funded facilities. Balance-based fees track actual outstanding at payoff. Negotiate balance basis where possible.

Minimum fee?

Many lenders set a floor of $25-50k on exit fees even when basis-point math would produce less. Common on small-balance bridges under $3M.

How often should I rerun this?

Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.