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Business Loan Calculators

SBA loan payment estimators and business affordability tools — with full amortization schedules.

Jump to: SBA 7(a) SBA 504 Business Affordability

SBA 7(a) Loan Payment Calculator

SBA 7(a) Quick Facts: Loans up to $5 million. Terms up to 10 years for working capital/equipment, up to 25 years for commercial real estate. Rates are typically Prime + 2.25–4.75%. Guarantee fees of 2–3.5% of the guaranteed portion apply to loans over $150,000 (SBA guarantees 75–85% of the loan).
Current SBA 7(a) rates: approx. Prime + 2.25–4.75%
Typically 0–3.5% depending on loan size. Enter 0 for loans ≤$150,000.
85% for loans ≤$150,000; 75% for loans >$150,000

Enter values and click Calculate

Monthly Payment—
Total Interest—
Total Paid—
MonthPaymentPrincipalInterestBalance

SBA 504 Loan Calculator

SBA 504 Structure: Two-tranche financing for major fixed assets (real estate, heavy equipment). Typically: Bank/Lender covers 50% at a market rate · SBA/CDC covers 40% at a below-market fixed rate · Borrower puts 10% down (15–20% for special-purpose properties). The SBA 504 portion is fixed for 20 or 25 years.
10% standard; 15% for single-purpose properties; 20% for new businesses

Bank (First Lien) Portion — ~50%

SBA / CDC Portion — 40%

Current SBA 504 20-yr rate is approx. 6–7% (fixed for life of loan)

Enter values and click Calculate

Business Loan Affordability Calculator

Calculates the maximum business loan you can support based on your net operating income and a 1.25x DSCR — the minimum most SBA and commercial lenders require. Enter a desired loan amount to see its DSCR and whether a lender will likely approve it.

Exclude existing loan payments — enter operating costs only

Enter values and click Calculate