SBA Loan Calculator
Calculate SBA loan payments for 7(a), 504, and microloans. Estimate monthly costs, rates, and terms for Small Business Administration loans.
Calculate Your SBA Loan Payment
$350,000
$25,000$5,000,000
120 months
60 months300 months
7.5%
5.5%11%
15% ($52,500)
10%30%
Requirements for SBA Loan Financing
- 2+ years in business (startups may qualify)
- 680+ credit score
- Positive cash flow or solid business plan
- No recent bankruptcies or defaults
What Can You Use SBA Loan Financing For?
Business acquisition
Commercial real estate
Equipment and machinery
Working capital
Debt refinancing
Business expansion
Pros & Cons
Advantages
- +Lowest interest rates available for small business
- +Longest repayment terms (up to 25 years for real estate)
- +Lower down payments than conventional loans
- +Government guarantee reduces lender risk
- +Wide range of qualifying purposes
Considerations
- -Lengthy application and approval process
- -Extensive documentation requirements
- -Personal guarantee required
- -Collateral often required
- -SBA fees add to total cost
Frequently Asked Questions
Ready to Get Funded?
Get pre-qualified in 60 seconds with no impact to your credit score.
Start Your ApplicationQuick Facts
Amount Range$25,000 - $5,000,000
Terms Available60 - 300 months
Typical Rates5.5% - 11%
Down Payment10% - 30%
Funding Speed30-90 days
No credit check required
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Industries We Serve
A restaurant owner securing $500,000 SBA loan for second locationA manufacturing company financing $2M equipment expansionAn entrepreneur purchasing $1.2M existing business with SBA 7(a)