SBA financing
SBA 7(a) loans: where to start and what to verify
Understand the lender-based program and prepare questions before exploring SBA-supported financing.
SBA loan payment calculator
Make the SBA payment easier to understand.
Model an amortizing payment with your quoted rate, term, and optional upfront or financed fees.
Nominal rate you enter; not APR or a live quote.
Fully amortizing monthly payments.
Enter the actual quoted fees; no SBA fee is assumed.
Model: fixed nominal interest rate, equal monthly payments, and full amortization. Excludes taxes, insurance, variable-rate resets, payment holidays, and fees unless explicitly entered. This is not an APR calculation.
Estimated monthly payment
$2,124.70
Principal modeled$100,000.00
Total interest$27,482.27
Total scheduled payments$127,482.27
Upfront fees$0.00
Example calculation only. Actual financing depends on lender terms and review.
How to use this calculator
Enter your assumptions and review the result alongside a cash-flow forecast. Compare the estimated payment with the dates your customers actually pay you. Change one input at a time to see how the term or rate affects the outcome.
Calculations run in your browser. Your financial inputs are not sent to a lender or stored by this site. A downloadable CSV gives you the full monthly repayment schedule when the modeled loan amount is positive.
Is the interest rate a current SBA rate?
No. The default is an examples. Enter the nominal annual rate quoted by your lender.
Does this calculate SBA eligibility or guarantee fees?
No. Enter actual quoted fees manually. The tool does not determine program eligibility or reproduce a 504 multi-part structure.
Understand the numbers
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SBA financing
SBA 504 vs. 7(a): begin with the project
Separate fixed-asset investment from broader financing needs before comparing program details.