SBA Loan Calculator
Calculate monthly payments for SBA 7(a), 504, and Express loans. Get instant results, compare options, and connect with a qualified lender.
100% Free
No hidden fees
1,000+
Calculations performed
24-48 Hours
Response time
A+ Rating
Trusted service
Choose Your SBA Loan Calculator
Select the calculator that matches your loan type for the most accurate payment estimates.
SBA 7(a) Calculator
Most popular SBA loan for working capital, equipment, and real estate
$5,000,000
Up to 25 years
- Flexible use of funds
- Lower down payments
- Competitive rates
SBA 504 Calculator
Fixed-rate financing for commercial real estate and equipment
$5,500,000
10-20 years
- Fixed rates
- Up to 90% financing
- Below-market rates
SBA Express Calculator
Fast approval for smaller loan amounts with expedited processing
$500,000
Up to 25 years
- Quick approval
- Streamlined process
- Fast funding
SBA 7(a) Loan Calculator
Our most popular calculator for the SBA's flagship loan program. Calculate payments for loans up to $5 million.
Common SBA 7(a) Loan Examples
See real payment examples for popular SBA 7(a) loan amounts. These calculations use current market rates and typical terms.
| Loan Amount | Rate | Term | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|---|---|
| $100,000 | 10.5% | 10 years | $1,321 | $58,520 | $158,520 |
| $250,000 | 10.0% | 15 years | $2,685 | $233,300 | $483,300 |
| $500,000 | 9.5% | 20 years | $4,620 | $608,800 | $1,108,800 |
| $1,000,000 | 10.0% | 25 years | $9,087 | $1,726,100 | $2,726,100 |
📊 Payment Examples Note
These examples use current market rates for illustration. Actual rates vary based on creditworthiness, business financials, collateral, and market conditions. Contact a qualified SBA lender for personalized rate quotes.
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
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
Frequently Asked Questions
How accurate are these SBA loan calculators?
Our calculators provide estimates based on current market conditions and typical SBA loan terms. Actual rates and terms may vary based on your business profile, creditworthiness, and lender requirements.
What's the difference between SBA 7(a) and SBA 504 loans?
SBA 7(a) loans are more flexible and can be used for working capital, equipment, or real estate. SBA 504 loans are specifically for commercial real estate and equipment purchases, offering fixed rates and longer terms.
How do I get connected with an SBA lender?
After using our calculators, you can request to be connected with a pre-qualified SBA lender in our network. We'll match you with a lender who specializes in your loan type and business profile.