Free Broker Tool

Portfolio Performance Dashboard

Track key portfolio metrics: collection rate, default rate, ROI, and deal composition.

100% Free

No Sign-Up Required

Instant Results

Why Track Portfolio Performance?

A portfolio performance dashboard gives you a real-time view of how your funded deals are performing collectively. For syndicators and ISOs who fund from their own capital, this is critical financial reporting. For brokers, tracking portfolio performance helps identify patterns in deal quality, funder performance, and commission economics. The key metrics -- collection rate (how much of expected RTR has been collected), default rate (what percentage of funded capital has defaulted), and ROI (net return on invested capital) -- tell you whether your deal selection and funder choices are producing profitable results. Without this visibility, you are operating blind.

How to Use This Calculator

Enter aggregate portfolio data

Total funded is all capital deployed. Collected is all payments received to date. Defaults is the funded amount of deals that have stopped paying (not the uncollected RTR, but the original funded amount).

Set the average factor rate

The weighted average factor rate across all deals. This determines expected RTR for ROI calculations.

Review the dashboard metrics

Collection rate above 90% is healthy. Default rate below 10% is good. Net ROI should exceed your cost of capital. If any metric is off, drill down to identify problem deals or patterns.

Key Concepts

Collection Rate

Total collected divided by total expected RTR. A 90% collection rate on a portfolio with 1.30 average factor means you have collected 90% of the 1.30x return. Above 85% is healthy; below 80% signals problems.

Portfolio ROI

Net return on invested capital after defaults. (Total collected - total funded - defaults) / total funded. This is the true bottom line for capital deployed in MCA.

Deal Composition

The mix of A/B/C/D paper deals in your portfolio. A portfolio heavy on C/D paper will have higher default rates but also higher factor rates. Balance is key to sustainable returns.

Expert Insights

Monthly Reporting Is Non-Negotiable: Pull these numbers monthly, without fail. Quarterly is too late to catch a deteriorating trend. A collection rate that drops from 92% to 88% over two months is an early warning of portfolio stress. By the time it drops to 80%, you have a crisis. Monthly tracking gives you 60-90 days of lead time to address problems.

Vintage Analysis Adds Depth: Aggregate metrics can mask problems. A portfolio with 90% overall collection rate may have recent vintages (last 3 months) collecting at only 80%, dragged up by strong older vintages. Vintage analysis -- tracking each month's deals as a cohort -- reveals whether deal quality is improving or deteriorating over time.

Frequently Asked Questions

Above 90% is healthy. 85-90% is acceptable with room for improvement. Below 85% indicates significant default or slow-pay issues that need immediate attention. These benchmarks assume a mature portfolio (deals at least 6 months old on average).

Default rate = total funded amount of defaulted deals / total funded amount of all deals. Use funded amount, not RTR, as the denominator. A deal is "defaulted" when the funder has classified it as a default (typically after 30-60 days of non-payment).

For syndication/funding portfolios, target 15-25% net ROI after defaults. For broker commission portfolios (not deploying your own capital), ROI is not directly applicable -- track commission yield (total commission / total funded volume) and target 8-12%.

Results are estimates for educational purposes only. Actual amounts may vary based on your specific financial situation, market conditions, and other factors. This calculator does not constitute financial advice.