SBA loan cost calculator
What an SBA loan actually costs
Most calculators show a payment and stop. This one adds the piece generic tools miss, the SBA upfront guarantee fee, then totals what the first year really costs. Adjust anything and every figure updates as you go.
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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Funding Circle
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