SBA 7(a) Loan Calculator
Calculate monthly payments for SBA 7(a) loans up to $5 million. Perfect for working capital, equipment purchases, real estate, and business acquisitions.
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Calculate Your SBA 7(a) Loan Payments
Enter your loan details to get instant payment estimates and see how SBA 7(a) financing can benefit your business.
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
Why Choose SBA 7(a) Loans?
SBA 7(a) loans are the most popular SBA program, offering flexible terms and competitive rates.
Flexible Use of Funds
Use for working capital, equipment, real estate, business acquisition, and more
Lower Down Payments
Typically 10-15% down payment vs 20-30% for conventional loans
Longer Repayment Terms
Up to 10 years for working capital, 25 years for real estate
Competitive Rates
Government backing helps secure favorable interest rates
Common Uses for SBA 7(a) Loans
SBA 7(a) loans offer flexibility for various business needs with favorable terms.
Real Estate Purchase
Buy commercial property for your business operations
25 years
10-15%
Business Acquisition
Purchase an existing business or franchise
10 years
10-15%
Working Capital
Fund daily operations, inventory, payroll, and growth
10 years
10%
Equipment Purchase
Buy machinery, vehicles, or other business equipment
10 years
10%
Factors That Affect Your SBA 7(a) Rate
Understanding what influences your interest rate helps you prepare for better loan terms.
Loan Amount
Larger loans often get better rates
Loans over $250K typically qualify for prime + 2-3%
Business History
Established businesses get preferential pricing
2+ years in business with positive cash flow preferred
Credit Score
Higher scores unlock better terms
Personal credit score of 650+ significantly improves rates
Collateral
Secured loans often have lower rates
Real estate and equipment can serve as collateral
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
SBA 7(a) Loan FAQs
What is the maximum SBA 7(a) loan amount?
The maximum SBA 7(a) loan amount is $5 million. This increased from $5 million in 2023, making it easier for businesses to access larger amounts of capital for growth and expansion.
How long does SBA 7(a) loan approval take?
SBA 7(a) loan approval typically takes 30-90 days, depending on the lender and loan complexity. Having complete documentation and a strong application can expedite the process.
What can't I use SBA 7(a) loan funds for?
SBA 7(a) loans cannot be used for speculation, lending to others, or businesses involved in gambling, pyramid schemes, or illegal activities. They also can't refinance existing SBA debt.
Ready for Your SBA 7(a) Loan?
Connect with an experienced SBA 7(a) lender who can provide personalized loan offers based on your business needs and qualifications.