SBA Loan Calculator and Payment Calculator
Compare SBA 7(a) and 504 payments side by side, including estimated guaranty fees, CDC fees, financing portions, and equity injection scenarios.
Request a financing review when you are ready to share the property, requested proceeds, and timeline.
How This SBA Loan Calculator Works
Enter the total project cost, select a 10, 15, or 20 percent equity injection, and adjust the rate, term, and fee assumptions for each program. The calculator estimates the 7(a) loan payment and guaranty fee alongside the combined bank and CDC payments for a 504 structure. These are planning estimates, not a loan quote or an SBA eligibility decision.
SBA 7(a) vs SBA 504
The SBA 7(a) program is the most flexible option. It covers working capital, equipment, business acquisition, and owner occupied commercial real estate up to $5 million, usually with a variable rate tied to the prime rate and terms up to 10 years for most uses or 25 years for real estate.
For an owner occupied property scenario, use this SBA commercial real estate loan calculator to compare the payment and estimated program fees under both structures. It does not determine whether the property, business, or borrower qualifies for SBA financing.
The SBA 504 program is built for real estate and major equipment. It generally combines borrower equity with a bank first mortgage and a fixed rate CDC second mortgage. The calculator models a CDC portion of up to 40 percent of project cost and adjusts the bank portion when the selected equity injection increases.
SBA Loan Down Payment and Rates
Most SBA borrowers contribute 10 to 20 percent, depending on the program, the business, the property, and how the funds are used. A 504 project may require 15 percent for a new business or a special purpose property and 20 percent when both conditions apply. Rates and fee schedules change, so confirm the current requirements and costs before relying on the estimate.
Frequently Asked Questions
How do I calculate an SBA loan payment or repayment?
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.
Can I use this as an SBA 7(a) loan calculator?
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.
Can I use this as an SBA 504 loan calculator?
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.
What is the down payment on an SBA loan?
Most SBA borrowers put down 10 to 20 percent. The exact amount depends on the program and how the funds are used. Business acquisitions and special purpose real estate often require more equity than standard owner occupied property.
Can this calculate an SBA loan down payment?
Yes. Select a 10, 15, or 20 percent equity injection scenario to see the estimated cash contribution. The actual requirement depends on the program, use of funds, property type, business age, borrower profile, and lender underwriting.
What is the difference between an SBA 7(a) and an SBA 504 loan?
The SBA 7(a) program is flexible and covers working capital, equipment, acquisition, and real estate up to $5 million, usually at a variable rate. The SBA 504 program is built for real estate and major equipment and pairs a bank loan with a fixed rate CDC portion that can reach $5.5 million for qualifying projects.
What interest rate should I use in an SBA loan calculator?
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.
Can I use this as an SBA loan interest rate calculator?
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.
How do I calculate a 504 loan payment?
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.
What is the maximum SBA loan amount?
The SBA 7(a) program goes up to $5 million. The SBA 504 CDC portion can reach $5.5 million for qualifying projects such as manufacturing, and total project size can be larger when the bank first mortgage is included.