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Using Deposits to Build Better Deals

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Adding deposits to opportunities can increase the overall profitability of your loans while allowing you more flexibility when quoting your customers rates. The Footer, which shows your actual and target Net Income and return, can help you understand the profitability of opportunities with multiple loans.

For example, the loan below is generating $50,351 and a 13.25% return. The Target return is 19% and the Target Net Income is $72,205. The tab on the right displays the profitability of the Full Opportunity. If your Opportunity only consists of one loan, your left and right tabs will be identical. 

The footer shows the profitability of your opportunity.


You can click the Deposits tab on the right side of the screen to add deposit accounts to this Opportunity. If deposit products have not been enabled by your administrator(s), you will not be able to view the 'Deposits' tab or add deposit products until a deposit product is enabled.

This is the Deposits tab on the right side of the screen, which you can click to add deposits to your Opportunity


Within the Deposits tab, you can see the impact of deposit accounts on this opportunity as a whole by looking at the tab on the right.

Note that adding these deposits has not altered the structure of the Commercial loan. In this example, the tab of the left shows that deposits are bringing in $1,932 of Net Income, bringing the loan's total net income to $72,205. Therefore, it might be possible to offer a more aggressive rate on the loan if the customer is willing to bring their deposit relationship. Effectively, this helps you use the deposit relationship to build a better deal.

The deposit screen shows your deposits for this opportunity.


 For more information on setting up deposit products, see Setting Up Deposit Products.

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