SBA Loan Calculators
SBA Loan Payment Calculators
Calculate monthly payments, view full amortization schedules, and find out how much SBA financing your business can afford.
SBA 7(a) Loan Payment Calculator
Estimate monthly payments and view a full monthly amortization schedule
$
Max $5,000,000
%
Typically Prime + 2.75–4.75%
Real estate up to 25 yrs
Monthly Payment
Total Interest Paid
Total Amount Paid
Monthly Amortization Schedule
| Month | Payment | Interest | Principal | Balance |
|---|
Showing first 12 months. Click "Show All Months" to see the full schedule.
SBA 504 Loan Calculator
Calculate payments for the bank first mortgage and SBA CDC second mortgage separately
SBA 504 structure: Bank covers ~50% of project cost (first lien) · SBA CDC covers ~40% (second lien) · Borrower equity 10% minimum
$
%
Min 10% · 15–20% for special use or startups
Bank Loan (50%)
$500,000
SBA CDC (40%)
$400,000
Equity (10%)
$100,000
Bank Loan — First Mortgage
%
SBA CDC Loan — Second Mortgage
%
SBA 504 debenture rate
Bank Monthly Payment
Total interest:
SBA Monthly Payment
Total interest:
Combined Monthly
Equity:
Bank Loan — Monthly Amortization
| Month | Payment | Interest | Principal | Balance |
|---|
SBA CDC Loan — Monthly Amortization
| Month | Payment | Interest | Principal | Balance |
|---|
Business Loan Affordability Calculator
Find the maximum loan your business cash flow can support based on DSCR
What is DSCR? Debt Service Coverage Ratio = Net Operating Income ÷ Annual Debt Payments. SBA requires at least 1.25x, meaning your income must be 25% higher than your loan payments.
$
Net income before owner draws (add back owner salary if applicable)
SBA minimum: 1.25 · Conservative lenders prefer 1.5+
$
Current business loan payments (exclude new loan)
%
Max Monthly Payment
Maximum Loan Amount
| Annual Net Income | |
| Target DSCR | |
| Max Annual Debt Service (Income ÷ DSCR) | |
| Existing Annual Debt Payments | |
| Available for New Loan (Annual) |
SBA Loan Calculators
Commercial RE Calculators
SBA Program Guides