SBA Loan Calculator and Payment Calculator
Estimate SBA 7(a) and 504 loan payments, total interest, and standard amortization from your loan amount, interest rate, and term.
Request a financing review when you are ready to share the property, requested proceeds, and timeline.
How This SBA Loan Calculator Works
Enter your loan amount, interest rate, and term, and this SBA loan payment calculator returns an estimated monthly payment and total interest using standard amortization. Use it as an SBA 7(a) loan calculator, SBA 504 loan calculator, SBA loan repayment calculator, or SBA loan monthly payment calculator. It models one loan amount, rate, and term at a time. For an SBA 504 structure, run the bank portion and the CDC portion separately, then add the two payments.
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 estimate a payment from a proposed loan amount, rate, and term. 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 pairs a bank loan with a fixed rate portion from a Certified Development Company, with 10, 20, or 25 year terms. The CDC portion can reach $5.5 million for qualifying projects such as manufacturing. To model a 504 loan here, run the bank portion and the CDC portion separately, then add the two monthly payments together.
SBA Loan Down Payment and Rates
Most SBA borrowers put down 10 to 20 percent, depending on the program and how the funds are used. Rates on 7(a) loans move with the prime rate, while the 504 CDC portion carries a fixed rate. Because rates change, run a few different numbers through the calculator to see how your monthly payment shifts.
Frequently Asked Questions
How do I calculate an SBA loan payment or repayment?
Enter the loan amount, interest rate, and term into the calculator above. It applies standard amortization to return your monthly payment and total interest. For an SBA 504 loan, run the bank portion and the CDC portion separately, then add the two monthly payments.
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. An SBA 504 structure generally has a bank first mortgage and a CDC second mortgage. Run each portion with its own amount, rate, and term, then add the monthly payments together. The calculator does not create a full SBA 504 amortization schedule.
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?
No. This tool estimates payments from a loan amount, rate, and term. The required down payment depends on the SBA program, use of funds, property type, borrower profile, and lender underwriting, so confirm the equity requirement with your lender.
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?
An SBA 504 loan has two parts: a bank first mortgage and a fixed rate CDC second mortgage. Calculate each one separately using its own amount, rate, and term, then add the monthly payments together for your total 504 loan 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.