SBA Loan Calculator
Estimate your monthly payments for SBA 7(a), 504, and microloan programs. Select your business type to pre-fill with real startup costs and average SBA loan amounts.
Loan Type
Most common SBA loan
$
%
Monthly Payment
$1,214
Total Interest
$55,730
Amount Financed
$90,000
Down Payment
$10,000
Total Cost Breakdown
Yearly Breakdown
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $5,377 | $9,196 | $84,623 |
| 2 | $5,969 | $8,604 | $78,654 |
| 3 | $6,627 | $7,946 | $72,026 |
| 4 | $7,358 | $7,215 | $64,669 |
| 5 | $8,168 | $6,405 | $56,500 |
SBA Loan Types
SBA 7(a)
Most common SBA loan. Up to $5M for working capital, equipment, real estate. Terms up to 25 years. Rates: Prime + 2.25–4.75%.
SBA 504
Fixed-rate financing for major assets (real estate, equipment). Up to $5.5M. Lower rates than 7(a) but restricted to fixed assets.
SBA Microloan
Up to $50K for small startups. Shorter terms (up to 6 years). Easier qualification. Good for service businesses with low startup costs.