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    SBA 7(a) and 504 Loan Payment Calculator

    Model a single 7(a) loan or the separate bank and CDC debt in a 504 project. Edit each rate, term, and fee assumption to see estimated payments.

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    The 7(a) estimate models one loan for eligible business uses, which may include working capital. The 504 estimate models eligible fixed asset project costs through a bank first mortgage and a CDC second mortgage. Each rate, term, equity, and fee input is an editable planning assumption, not a rate quote or verified program charge.

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    Equity Injection Scenario

    These are comparison scenarios, not a statement of your required contribution. For 504, the modeled cost should reflect eligible fixed asset project costs. Do not assume that working capital belongs in a 504 project cost. Confirm the eligible uses, equity contribution, and project allocation with the lender and CDC.

    SBA 7(a): One Loan

    This side estimates one lender loan and its payment. The project cost input is a planning amount, not an eligibility test or a decision about which costs qualify.

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    SBA 504: Bank and CDC Loans

    This side estimates separate payments on a bank first mortgage and CDC second mortgage, then combines their monthly debt service. The project cost should represent eligible fixed asset uses rather than working capital.

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    SBA 7(a)

    Loan Amount

    $900,000.00

    7(a) Monthly Payment

    $7,863.27

    Equity Injection

    $100,000.00

    Estimated Guaranty Fee

    $23,625.00

    The guaranty fee estimate applies the selected fee rate to the guaranteed portion, not the full loan amount. Current SBA rules, waivers, loan size, maturity, and lender treatment can change the actual charge.

    SBA 504

    Combined Monthly Payment

    $6,333.63

    Equity Injection

    $100,000.00

    Bank First Mortgage

    $500,000.00

    CDC Second Mortgage

    $400,000.00

    Bank Monthly Payment

    $3,694.96

    CDC Monthly Payment

    $2,638.68

    Estimated CDC Fees

    $10,600.00

    This uses a CDC portion of up to 40% of project cost. The fee estimate is applied to the CDC portion and does not include every bank, legal, appraisal, environmental, title, or closing cost.

    ComparisonSBA 7(a)SBA 504
    Best suited forAcquisitions, working capital, equipment, and real estateOwner occupied real estate and major equipment
    Financing structureOne lender loan for eligible business usesBank first mortgage plus CDC second mortgage
    Estimated monthly payment$7,863.27$6,333.63
    Estimated program fees$23,625.00$10,600.00
    Equity injection$100,000.00 (10%)$100,000.00 (10%)

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    Before using the 504 scenario, check SBA 504 occupancy and equity requirements. An eligible fixed asset project is not the same financing request as a business acquisition with working capital.

    Contribution rules checked October 12, 2026 against 13 CFR 120.910 and third party lender participation requirements. Your lender and CDC must confirm the final project structure.

    Two SBA Structures, Two Different Uses

    Use the 7(a) estimate for one loan that may combine eligible business uses such as working capital, equipment, an acquisition, or owner occupied real estate. Use the 504 estimate for eligible fixed asset project costs, generally owner occupied real estate or major equipment. Working capital is a different use of funds and should not be added to a 504 project cost without confirmation from the lender and CDC.

    This calculator applies editable rates, terms, and fee assumptions. They are not rate quotes or current program charges, and the result does not decide eligibility. The same project cost is used to illustrate both structures, so confirm which costs belong in each program before comparing proceeds.

    How the 7(a) Estimate Works

    The 7(a) side treats the financed amount as one loan and estimates its monthly principal and interest payment from your rate and term assumptions. Its guaranty fee estimate applies your entered fee rate to the entered guaranteed share. Fees, eligible uses, pricing, and final loan structure require review by the lender and SBA.

    How the 504 Estimate Works

    A 504 project is modeled as borrower equity, a bank first mortgage, and a CDC second mortgage. The calculator estimates each debt payment from its own rate and term, then adds the bank and CDC payments to show combined monthly debt service. The equity buttons are scenarios for comparison, not a statement of the required contribution for your project.

    For an owner occupied property, review SBA 504 financing and the broader SBA loan program. If the request is for conventional property debt rather than an SBA structure, compare it with a commercial mortgage. The commercial loan payment calculator models one loan without the separate bank and CDC split.

    Frequently Asked Questions

    Enter the total project cost, select an equity injection scenario, and adjust the rate and term assumptions. The calculator applies standard amortization to estimate the 7(a) payment and the combined bank and CDC payments for a 504 structure.

    Yes. This SBA 7a loan calculator uses the loan amount, estimated interest rate, and term to calculate an estimated monthly payment and total interest. The result is a planning estimate, not a loan quote or an eligibility decision.

    Yes, for payment planning. The tool divides the financed project cost between a bank first mortgage and a CDC second mortgage, calculates each payment from its own rate and term, and displays the combined monthly payment.

    The required contribution depends on the program, eligible uses, property or business, borrower profile, and lender underwriting. Treat the equity figure here as a scenario until the lender and CDC confirm the required amount.

    The calculator shows the cash contribution for the selected equity scenario. That scenario is an input for comparison, not a determination of the contribution required for your transaction. Confirm the requirement with the lender and CDC.

    A 7(a) loan can support several eligible business uses, including working capital, equipment, acquisitions, and owner occupied real estate. A 504 structure finances eligible fixed asset project costs through a bank first mortgage and a CDC second mortgage. Confirm eligible uses and final structure with the lender and CDC.

    SBA 7(a) rates move with the prime rate, while the 504 CDC portion is fixed. Since rates change, run the calculator with a few rates around current market levels to see a realistic payment range, then confirm the actual rate with your lender.

    Use the interest rate input to see how a possible SBA rate changes your payment and total interest. The calculator does not determine your SBA interest rate. Your actual rate depends on the program, loan size, term, borrower profile, and lender.

    Enter the project cost and equity injection, then provide separate rates and terms for the bank and CDC portions. The calculator estimates both payments and adds them together for the combined monthly payment.