Price every loan like your margin depends on it. It does.
TrueNIM is the loan pricing and NIM simulation engine banks use to price in market, report their pipeline with confidence, forecast capital and liquidity, and protect net interest margin — regardless of what the rate environment does next.
See TrueNIM price a deal in real time.
Spreadsheets can't see the rate environment coming.
Most banks still price loans off a rate sheet and a gut check. It works — until the curve moves, funding costs shift, or a competitor prices something you can't explain. By the time it shows up in your margin, the loan's already on the books.
Every deal, priced and proven — before you quote it.
Know if a deal clears target ROE — before you price it
See loan-only pricing next to full relationship pricing side by side, with the deposit relationship benefit called out explicitly. No more quoting a rate and hoping it pencils.
- Loan-only vs. total opportunity return, compared instantly
- Relationship benefit quantified in basis points
- Target ROE built in, so lenders know where they stand
Pipeline, ROE, and activity — for your whole team, live
Total deals, pipeline value, booked value, economic capital, and average ROE in one view — filterable by banker, stage, or time period, so leadership never has to ask for a status update.
- Pipeline by stage, tracked in dollars and deal count
- Average ROE measured against target, in real time
- Active users and stage breakdowns across the organization
Full profitability, broken out automatically
Interest income, interest expense, provision for loan losses, and net income — split between loans and deposits, down to ROE and ROA — generated for every deal without a spreadsheet.
- Loan and deposit profitability, side by side
- Cost of funds and provision built into every calculation
- ROE and ROA delivered instantly, not at quarter-end
Everything between quote and close — priced correctly.
Market-accurate loan pricing
Price every loan against a defensible, best-practice methodology instead of a static rate sheet — so every quote reflects where the market actually is today, not where it was last quarter.
Pipeline reporting your whole team trusts
Give lenders, credit, and ALCO one live view of what's in the pipeline — pricing, terms, and projected impact — instead of reconstructing it from someone's spreadsheet before every meeting.
Capital and liquidity forecasting, built in
See how every new loan moves your capital and liquidity position before it's funded — not after it shows up in next quarter's call report.
NIM protection in any rate environment
Simulate rate shocks and shifts before they happen, and see the margin impact on your book today — so you can defend net interest margin instead of explaining what happened to it.
Let's look at your pipeline together.
Bring a handful of recent deals — we'll show you exactly how TrueNIM would have priced them, and what it means for your margin.