SBA Loan Calculator

Calculate monthly payments for Small Business Administration (SBA) loans including guarantee fees. Compare SBA 7(a) and 504 loan programs.

Free to use
12,500+ users
Updated January 2025
Instant results

SBA Loan Calculator

SBA 7(a) Standard

Monthly Payment
$4k
Total Cost
$535k
DSCR
3.84x
Eligibility
90/100

Strong Application! ๐ŸŽ‰

Your business profile shows strong eligibility for SBA financing. Consider applying soon!

Monthly Payment
$4k
10.4% of revenue
Total Cost
$535k
Inc. all fees
Upfront Costs
$49k
Due at closing
Eligibility
90/100
Excellent
Max for this program: $5,000,000
Min recommended: $35,000
Typical: 8.5%

Loan Summary

Monthly Payment:$4,339
Total Interest:$170,740
Loan-to-Value:90.9%
2+ years preferred
680+ preferred

Financial Health Metrics

Debt Service Coverage Ratio:3.84x
โœ“ Excellent - Meets SBA standards
Monthly Net Income:$16,667
Payment to Revenue:10.4%
Break-even Revenue:$352,074

SBA Loan Application Tips

  • Strong business plan: Show clear use of funds and repayment ability
  • Good credit: Personal credit score of 680+ is ideal
  • Collateral: Be prepared to offer business or personal assets
  • Documentation: Have 2-3 years of financial statements ready
  • Patience: SBA loans typically take 60-90 days to close
  • Use approved lenders: Work with SBA-certified lenders for faster processing