SBA guarantee fee calculator
Your SBA guarantee fee, from the current fee schedule
SBA sets guarantee fees each fiscal year, charged on the guaranteed portion of the loan. This calculator reads the active SBA fee notice directly and shows exactly which tier your loan lands in. The official calculator still shows prior-year fees; this does not.
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.
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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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