SBA Loan Calculator

An SBA loan calculator estimates your monthly payment by combining loan amount, interest rate, and repayment term. Enter $250,000 at 11% over 10 years and you'll see roughly $3,444/month. The calculator doesn't include SBA guarantee fees (typically 2–3.75% of the guaranteed portion) or packaging costs, so build a 5% buffer into your monthly cash-flow planning.

SBA 7(a) variable rates are capped at Prime + 3% for loans over $350,000 and up to Prime + 6.5% for loans of $50,000 or less. With the Prime Rate at 7.00% in October 2026, that puts most 7(a) loans between about 10% and 13.5%, so 11% to 12% is a reasonable starting estimate. SBA 504 loans usually run lower: the SBA portion of a 25-year 504 loan priced at about 7% in October 2026, because it comes from a fixed-rate debenture. Our SBA loan rates page has the full, dated tables.

Working capital SBA 7(a) loans run up to 10 years. Equipment loans run 10–15 years. Real-estate-backed loans can stretch to 25 years. Longer terms mean lower monthly payments but more total interest paid. Plug different terms into the calculator to see the trade-off.

Yes. Our calculator requires zero personal information — it's math, not a lending decision. Run multiple scenarios before contacting a lender so you walk in informed. Once you know what you can afford, our 2-minute pre-qualification tool maps you to the right SBA or alternative product.

Other calculators sometimes hide guarantee fees or default to the longest possible term. Ours defaults to a realistic 10-year working capital scenario at 11%. Toggle the term length and rate sliders to see best- and worst-case monthly payments side by side.