SBA Loan Calculator
Pick your SBA program, plug in your numbers, and see your estimated monthly payment, total interest, and the SBA guarantee fee you'll owe at closing.
General-purpose SBA loan; the most common program.
Estimated APR: 10.25% (Prime + 2.75%)
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How this calculator works
- 1
We use the WSJ prime rate plus a typical lender spread for each SBA program to estimate your APR.
- 2
The standard amortization formula gives you the fixed monthly payment over your selected term.
- 3
Guarantee fees are a one-time SBA charge based on loan size and program — usually rolled into the loan.
Numbers look good?
See what your business actually qualifies for. It won't impact your credit score.
Frequently asked questions
Are these the actual SBA rates?▾
These are illustrative based on prime + typical lender spread. Your final rate depends on your lender, credit, and collateral.
Why does the 504 have lower rates?▾
The 504 program is a 50/40/10 partnership backed by a Certified Development Company, which lowers risk and rates.
What is the SBA guarantee fee?▾
A one-time fee paid to the SBA based on the guaranteed portion of your loan. Loans under $150K typically have no fee on 7(a).