Estimate SBA-style loan payments, total interest, and amortization profile.. Free online, browser-based tool with instant results and no signup.
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Total loan amount requested
Annual interest rate
Repayment period in years
One-time fee charged by SBA (typically 0-3.75%)
Percentage of loan amount as down payment
Most common SBA loan for general business purposes
Small Business Administration (SBA) loans are government-backed financing options designed to help small businesses access capital at favorable terms. The SBA does not lend directly; instead, it guarantees a portion of the loan made by approved lenders, reducing the risk for banks and enabling better rates and terms for borrowers.
The 7(a) program is the SBA's most popular and flexible loan program. Loans up to $5 million can be used for working capital, equipment purchases, real estate, business acquisitions, and debt refinancing. Terms range from 7 years for working capital to 25 years for real estate. Interest rates are typically tied to the prime rate plus a spread of 2.25% to 4.75%.
The 504 program is specifically designed for major fixed-asset purchases like commercial real estate and heavy equipment. These loans involve a three-party structure: a bank provides 50% of the financing, a Certified Development Company (CDC) provides up to 40% backed by the SBA, and the borrower puts down at least 10%. The CDC portion typically offers below-market, fixed-rate financing.
Microloans provide up to $50,000 for small businesses and certain not-for-profit childcare centers. The average microloan is about $13,000. These loans are distributed through nonprofit community-based organizations and are ideal for startups and very small businesses that need modest capital.
The SBA charges a guarantee fee that is typically passed on to the borrower. For 7(a) loans, the fee ranges from 0% to 3.75% depending on the loan amount and term. This fee is a one-time upfront cost that increases your effective borrowing cost, which is why the effective APR is higher than the stated interest rate.