Consistency in commercial loan pricing is a big issue. With equality in commercial loan pricing needed throughout a financial institution, a method is needed to measure one loan being priced with different characteristics than another loan. As an example a loan being priced to float with prime with a relatively short duration, and a fixed rate loan with a long duration should be expected to yield the same return to the institution. The calculations needed to ensure an equal comparison between the two loans are not intuitive. With a good computer assisted loan pricing system, these calculations can be done almost instantaneously with a high degree of accuracy. It is also essential the loan pricing model provide easy to understand output with confidence that the analytics behind the model are solid and indisputable.