SBA Working Capital Loan Calculator
Calculate SBA working capital loan payments. Estimate monthly costs for short-term business needs with SBA-backed financing.
Calculate Your SBA Working Capital Payment
$250,000
$25,000$5,000,000
84 months
36 months120 months
8.3%
6.5%11%
10% ($25,000)
0%10%
Requirements for SBA Working Capital Financing
- 2+ years in business
- 680+ credit score
- Positive cash flow or clear turnaround plan
- Current on existing obligations
What Can You Use SBA Working Capital Financing For?
Operating expenses
Payroll
Inventory purchases
Marketing and advertising
Seasonal cash flow needs
Account receivables gap
Pros & Cons
Advantages
- +Lower rates than alternative working capital
- +Longer terms (up to 10 years)
- +No prepayment penalty after year one
- +Flexible use of funds
- +Builds business credit
Considerations
- -Longer approval than alternatives
- -Documentation intensive
- -Personal guarantee required
- -May require collateral
- -Not ideal for urgent needs
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 Available36 - 120 months
Typical Rates6.5% - 11%
Down Payment0% - 10%
Funding Speed14-45 days
No credit check required
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Industries We Serve
A retailer securing $300,000 for holiday inventoryA service company bridging $150,000 in receivablesA manufacturer funding $400,000 in raw materials