Finance category
Mortgage, loan, investing, tax, and money calculators.
SBA Microloan Calculator
SBA microloans support small or new businesses — high-touch nonprofit lender.
Monthly payment
$531
Total interest
$6,871
Total repayment
$31,871
How the math works
Standard amortization formula at microloan rate.
$25k 10% 5y = $531/mo. Total $31,861. Interest $6,861.
How to Use
- Enter loan amount.
- Enter rate %.
- Enter term years.
- Read monthly payment.
Frequently Asked Questions
SBA microloan rules?
Max: $50,000. Avg: $13,000. Rate: 8–13% (set by intermediary lender). Term: up to 6 years. Use: working capital, inventory, supplies, furniture, fixtures, equipment. NOT real estate, debt refi. Lenders: nonprofit intermediaries (CDFI, community lenders). Often pair loan with technical assistance + business training. Best for: startups, women-owned, minority-owned, low-income, rural businesses underserved by traditional bank lending. Application: simpler than 7(a) but still needs financials, business plan.
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.
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