SBA Loan Calculator
Estimate monthly payments, total repayment, interest cost, and fee impact before comparing SBA 7(a), SBA 504, or other business funding options.
Use This With SBA Loan Research
SBA loan offers depend on lender underwriting, SBA program rules, loan purpose, collateral, business cash flow, and owner credit. Enter your own assumptions and compare the output with written lender disclosures.
Loan Assumptions
What to Review Before Applying
SBA Cost Questions
- Which SBA program is the lender quoting: 7(a), 504, Express, or another product?
- Is the rate fixed or variable, and what index or spread applies?
- Which fees are financed, which are paid at closing, and which are nonrefundable?
- Are collateral, personal guarantee, insurance, or appraisal costs required?
Important Limits
This calculator is not an SBA approval, lender quote, rate quote, financial advice, tax advice, or legal advice. It uses only the assumptions entered on this page. Confirm rates, guarantee fees, closing costs, repayment schedule, collateral, and eligibility with an SBA lender before signing.
SBA Loan Calculator FAQ
What does an SBA loan calculator estimate?
It estimates monthly payment, total repayment, interest cost, and the possible impact of upfront fees based on the loan amount, rate, term, and fee assumptions you enter.
Does this calculator show my actual SBA loan rate?
No. SBA loan rates, fees, eligibility, and terms depend on the SBA program, lender, loan amount, collateral, use of funds, business financials, and owner credit profile.
Can SBA fees be financed into the loan?
Some SBA-related fees may be financed or included in closing costs depending on the program and lender. Use this calculator as a planning estimate and confirm all fees with the lender before signing.
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