Free SBA Loan Calculator 2025 - No Email Required
Calculate SBA loan payments instantly with no email signup required. Get monthly payment estimates, amortization schedules, and total costs for 2025 — completely free!
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SBA Loan Calculators Suite
Choose the right SBA loan calculator for your business needs. All calculators are free and provide instant results. Compare SBA 7(a), SBA 504, and SBA Express options.
SBA 7(a) Calculator
Most PopularGet your personalized preview
Use our free SBA 7(a) loan calculator to estimate monthly payments, total interest, and payoff timelines. Ideal for working capital, business acquisitions, equipment, and real estate.
- • Calculates monthly payment and total cost
- • Terms up to 25 years for real estate
- • Prime-plus margin rate assumptions
SBA 504 Calculator
Real EstatePerfect for property purchases
Our SBA 504 loan calculator models fixed-rate financing for owner-occupied commercial real estate and heavy equipment with low down payments.
- • Only 10% down in many cases
- • Long fixed-rate terms
- • Build equity while you grow
SBA Express Calculator
Quick ProcessFast-track to funding
The SBA Express calculator helps you estimate payments for smaller, faster-turnaround loans with simplified processing.
- • Decisions in days, not months
- • Ideal for urgent opportunities
- • Less paperwork, faster funding
Eligibility Checker
Check EligibilityKnow before you apply
Check eligibility for SBA loans based on time in business, credit, revenue, collateral, and use of funds. Get a quick read before you apply.
- • Discover your potential loan amount
- • See which programs fit your business
- • Avoid wasted applications
Loan Comparison
Save MoneySee your savings potential
Why pay more than you have to? See exactly how much SBA loans can save you vs. traditional bank loans. The difference might shock you.
- • Save thousands in interest
- • Lower rates, better terms
- • See the real cost difference
More Tools Coming
SoonWe're building additional SBA calculators and tools. Sign up to be notified when they're ready.
Which SBA Loan Calculator Do I Need?
Use our SBA loan calculators to plan your financing with confidence. The SBA 7(a) calculator is best for working capital, business acquisitions, and mixed-use needs. The 504 calculator focuses on long-term, fixed-rate financing for owner-occupied commercial real estate and major equipment. The Express calculator helps estimate payments for smaller, faster loans.
SBA 7(a) Calculator
Estimate monthly payments, total interest, and payoff timelines for flexible SBA 7(a) financing up to $5M.
SBA 504 Calculator
Model CDC/504 real estate structures with low down payments and long, fixed-rate terms.
SBA Express Calculator
Quickly estimate payments for smaller loans with faster approvals and simplified underwriting.
Why Choose Our SBA Calculators?
Professional SBA loan calculators trusted by thousands of small business owners.
Accurate Calculations
Current SBA rates and terms updated monthly. Precise amortization schedules and payment breakdowns.
Instant Results
Get loan payment estimates immediately. No waiting, no email required for basic calculations.
Lender Connections
Connect with a qualified SBA lender who can help turn your calculations into actual financing.
SBA Loan Calculator FAQs
What is an SBA loan calculator?
An SBA loan calculator estimates your monthly payment, total interest, and total cost for SBA loans like 7(a), 504, and Express using your loan amount, rate, and term.
How does the SBA 7(a) calculator work?
It uses amortization math with inputs for loan amount, interest rate, and term (up to 25 years for real estate) to compute estimated monthly payments and payoff details.
Are SBA calculator results accurate?
Results are accurate for the numbers you enter, but real lender quotes vary by credit, cash flow, collateral, and market rates. Use our results to plan, then confirm with a lender.
Is the SBA loan calculator free to use?
Yes. All SBA calculators on this site are 100% free to use with instant results and no obligations.
Which calculator should I start with?
Start with the SBA 7(a) calculator for general working capital, business acquisitions, equipment, or real estate. Use the 504 calculator for owner-occupied commercial real estate.
From the Blog
Learn how SBA financing works, how to qualify, and how to choose the right loan type.
Current SBA Loan Rates
Understand how prime plus margin works and what affects your SBA 7(a) and 504 rates.
SBA Eligibility Requirements
See the credit, cash flow, collateral, and use-of-funds factors a lender reviews.
How to Apply for an SBA Loan
Step-by-step guide to documentation, timelines, and lender expectations.
Ready to Get Your SBA Loan?
Calculate your payments, then connect with a qualified lender who can help make it happen.
How It Works
Our streamlined process connects you with the right SBA lender quickly and efficiently.
Calculate & Explore
Use our free calculators to estimate payments and explore your options
Get Matched
Skip the bank runaround - get connected with a lender who actually wants your business
Compare Offers
Review personalized loan offers and choose the best terms for your business
Trusted by Thousands of Business Owners
"Saved me 3 weeks of bank visits. Realized I qualified for $200K more than I thought possible!"
Sarah M.
Restaurant Owner
Loan Amount: $450,000
"The calculator showed me exactly what I could afford. No surprises, no runaround - just real numbers."
Mike C.
Manufacturing
Loan Amount: $750,000
"Found out I was eligible for SBA Express in 60 seconds. Had funding approval in 2 weeks instead of 3 months."
Jennifer R.
Medical Practice
Loan Amount: $320,000