Restaurant SBA Loan Calculator
Estimate your monthly payment and true cost for restaurant financing. Compare SBA 7(a) vs SBA 504 options and see amortization in seconds.
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Restaurant SBA loan payment calculator (2026)
Enter your loan amount, term, and rate assumptions to see an estimated monthly payment and amortization schedule. For real estate-heavy deals, compare against the SBA 504 calculator. For flexible uses (equipment, working capital, acquisition), start with SBA 7(a).
Loan Details
Maximum: $5,000,000
Typical range: 9.5% - 10.5%
Auto-set based on loan purpose (Real Estate: 25 years, Others: 10-15 years)
Quick Select Amount:
SBA 7(a) Loan Key Features
Loan Details
- • Loan amounts up to $5 million
- • Terms up to 25 years for real estate
- • Terms up to 10 years for equipment/working capital
- • SBA guarantees 75-85% of the loan
Typical Rate Structure
- • Loans ≤ $50K: Prime + 3.5% to 4.25%
- • Loans $50K-$250K: Prime + 2% to 2.75%
- • Loans $250K-$5M: Prime + 3% max
- • Rate varies by lender and qualifications
Restaurant financing examples
| Loan Amount | Rate | Term | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|---|---|
| $150,000 | 10.5% | 10 years | $1,982 | $87,840 | $237,840 |
| $250,000 | 11.75% | 10 years | $3,303 | $146,360 | $396,360 |
| $500,000 | 10.0% | 15 years | $5,374 | $467,320 | $967,320 |
| $750,000 | 9.75% | 20 years | $7,244 | $988,560 | $1,738,560 |
Restaurant SBA loan FAQ
What is the monthly payment on a restaurant SBA loan?
It depends on your loan amount, interest rate, and term. Restaurant financing often uses SBA 7(a) for working capital/equipment and SBA 504 for real estate-heavy projects. Use the calculator above to see your exact monthly payment and amortization.
Can restaurants get SBA 7(a) loans?
Yes. SBA 7(a) is commonly used for restaurant acquisitions, equipment, buildouts, and working capital. Approval depends on eligibility, credit, cash flow, and documentation.
Can restaurants use SBA 504 loans?
Yes—if the project is for fixed assets like owner-occupied commercial real estate or major equipment. 504 is a popular option when you’re buying the building or doing major property improvements.
What credit score do I need for a restaurant SBA loan?
There is no single SBA minimum, but many lenders look for ~650+ for stronger approvals. Restaurant deals can be underwriting-sensitive, so strong cash flow and experience help a lot.