SBA 7(a) Loan Calculator

SBA 7(a) is most flexible SBA program for working capital, real estate, business acquisition.

Loan amount

Rate %

Term years

SBA fee %

Guarantee %

Monthly payment

$10,120

SBA fee amount

$16,875

Total cost

$1,231,290

How the math works

Standard amortization at SBA rate. SBA fee = loan × guarantee × fee %.

$750k 10.5% 10y = $10,114/mo. SBA fee: $750k × 75% × 3% = $16,875.

How to Use

Enter loan amount.
Enter rate %.
Enter term years.
Enter sba fee %.
Enter guarantee %.
Read monthly payment.

Frequently Asked Questions

SBA 7(a) terms?

Max loan: $5M. Term: 7–10 yrs (working capital), 25 yrs (real estate). Rate: Prime + 1.0–2.75% (current Prime ~8.5%, so 9.5–11.25%). Guarantee: 75% (loans >$150k), 85% (≤$150k). SBA fee: 2.0–3.5% of guaranteed portion (waived <$1M through 2024). Personal guarantee: required for 20%+ owners. Collateral: required (real estate first). Down payment: 10–15% typical. Use of proceeds: working capital, equipment, real estate, business acquisition, debt refi, partner buyout.

How does this fit small business finance?

Small business owners use this calculator alongside cash flow forecast, P&L, balance sheet, and tax projection. Pair with industry benchmark data (RMA, BizMiner, IBISWorld). Decision framework: ROI > capital cost + risk premium > minimum threshold for owner time. Single calculator output is one input — owner intuition + market knowledge + financial discipline complete the picture.

SBA financing fit?

SBA 7(a): up to $5M, working capital, equipment, real estate, business acquisition, longer terms. SBA 504: real estate + equipment, fixed rate, 10–25 years. SBA Express: up to $500k, faster. SBA Microloan: up to $50k. Owner-occupied real estate (51%+ owner use) qualifies. Personal guarantee required. SBA fees: 2–3.75% of guaranteed portion.

When is this worth pursuing?

Small business decisions weighing capex, hiring, expansion, financing should consider: ROI threshold (typically 20%+ for owner risk), payback period (under 3 years preferred), cash flow coverage, opportunity cost vs alternatives. Calculator outputs inform but don't decide — owner judgment about market, competition, and execution capacity is what makes the call.