Calculator
Trail book valuation calculator
Estimate what your book could sell for, with the same multiple-based math the bigger aggregators apply. The full PDF in Trail AI goes deeper with A–E loan grading and lender concentration.
Inputs
Run-off is what % of your book discharges each year. Top-lender share is how concentrated your trail income is on one bank — the higher, the riskier to a buyer.
Estimated sale value
$102,000 – $138,000
Effective multiple2.00×
Base annual trail$60,000
Spread±15%
Heuristics only. Trail AI runs the full §10.3 algorithm — A–E loan grading, arrears, clawback, settled-age — on every loan in your book to produce a defensible PDF.
Want real numbers from your book?
Upload one aggregator statement. Trail AI pulls every loan, scores every refinance candidate, and produces a sale-value PDF in minutes — no spreadsheet.