SBA & EIDL
SBA Collateral Sale Deficiency Worksheet
Estimate the remaining SBA debt after a documented collateral sale and approved credits.
How to use this calculator
- Gather balance; sale proceeds; sale costs; approved credits. Use documents covering the same date or period.
- Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
- Review net proceeds; remaining deficiency; supporting schedule. Open the breakdown and export a copy for discussion.
How the calculation works
Net recovery is sale proceeds less sale costs. Subtract it and other credits from the balance to show the remaining deficiency or surplus.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Remaining deficiency
- $95,000.00
- Net collateral proceeds
- $100,000.00
- Other credits
- $5,000.00
- Surplus after recorded balance
- $0.00
Questions about the results
What does this tool include?
Estimate the remaining SBA debt after a documented collateral sale and approved credits. Net recovery is sale proceeds less sale costs. Subtract it and other credits from the balance to show the remaining deficiency or surplus.
What should I verify before relying on the result?
A collateral sale does not automatically release a borrower or guarantor. Confirm sale authority, payoff treatment and release documentation with the lender or SBA.
What this result does and does not tell you
A collateral sale does not automatically release a borrower or guarantor. Confirm sale authority, payoff treatment and release documentation with the lender or SBA.
Sources and reference material
Sources checked 2026-10-09. Verify rules and program terms for your actual transaction date.