SBA Loan Calculator
Estimate payments for SBA 7(a), 504, and Microloan scenarios using assumptions you can review and change.
A flexible US program category delivered through participating lenders.
Enter a rate from a current participating-lender disclosure. This calculator does not quote a rate.
Optional. Enter only fees a participating lender has disclosed.
Program limits, eligible uses, maximum terms and rates change. Confirm current rules with the SBA and a participating lender. Results do not determine eligibility.
Monthly Payment
US$3,303.77
Total Interest
US$146,452
Total Repayment
US$396,452
Cash cost incl. fee
US$146,452
Net proceeds
US$250,000
Important
This is a hypothetical payment estimate, not an SBA or lender offer.
Methodology
The same amortizing payment formula as the business loan calculator. Program choice changes the label and the default term range; it does not fetch a live SBA rate.
- SBA publishes program maximums. A participating lender sets the offered rate within those rules.
- Guaranty fees, packing fees and closing costs are not implied unless you enter them as a fee.
- This tool does not check SBA size standards or eligible uses.
Enter only fees disclosed by a participating lender. Confirm current SBA maximum rates on sba.gov before comparing scenarios. Formula reviewed 2026-08-28.
Frequently Asked Questions
Related financing guides
Use these guides to understand the assumptions and financing choices behind the numbers.
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Submitting our initial form does not itself run a credit check or guarantee an offer. A third-party financing partner controls eligibility and terms.
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