SBA 7(a) payment calculator
Your 7(a) payment, modeled honestly
SBA rates are set as prime plus a spread, capped by loan size. This calculator models the rate the SBA rules allow, then shows the payment, the guarantee fee, and the first 12 months of amortization. Know the rate your lender quoted? Enter it and the model follows.
Loan term
Small Loan and Express are 7(a) delivery methods with their own limits; the SBA fee schedule is shared across 7(a).
The 504 program finances owner-occupied real estate and major equipment. Enter the SBA-financed portion (the debenture), commonly about 40% of total project cost, with a bank first mortgage and your equity making up the rest.
Advanced options
7(a) variable rates are capped at prime plus an SBA maximum spread that depends on loan size. For 504, enter the effective rate your CDC quoted.
Everything you type stays in this browser. Nothing is transmitted, logged, or stored, there is no account and no server on the other end of this calculator.
Estimates only. Not lending advice.
Estimated monthly payment
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Estimated upfront guarantee fee
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All-in first-year cost
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If the fee is financed into the loan
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First 12 months of amortization
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