SBA Loan Calculator

Estimate monthly payments, debt service coverage, and compare loan structures for SBA 7(a) and 504 loans.

SBA Monthly Payment Calculator

Use the calculator below to test different loan sizes, terms, and interest rates.

7(a) is the flexible workhorse. 504 is usually for owner-occupied real estate and heavy equipment.

Loan Amount $500,000
Interest Rate 7.50%
Loan Term 10 years

Many 7(a) working capital loans run 10 years. 504 real estate terms often run 20-25 years.

Rate stress test (+ bps) +200 bps (2.00%)

100 bps = 1.00%. Lenders typically test repayment at higher rates than today's.

Payment Snapshot

Estimated monthly payment
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Total paid over term
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Total interest over term
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Stressed monthly payment -

This assumes an interest rate of 9.50%. Most SBA lenders quietly underwrite closer to this number than the teaser rate.

Loan Details

Loan Amount $500,000
Interest Rate 7.50%
Loan Term 10 years

Cash Flow & DSCR Analysis

Annual Business Cash Flow $150,000

Net operating income or seller's discretionary earnings (SDE) before new debt service.

Other Annual Debt Payments $0/yr

Existing business debt that will continue after the SBA loan.

Stress Rate Bump +2.0%

Many lenders stress-test DSCR at a higher rate to ensure the borrower can handle rate increases.

DSCR Snapshot

Base DSCR -
Stressed DSCR -

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These DSCR ranges are adjusted for your selected industry. For example, restaurants and hospitality typically need stronger coverage than general service businesses.

Business Cash Flow (from above)

Annual business cash flow -
Other annual business debt payments -
Annual SBA payment (from calculator) -

Personal Monthly Debts

Mortgage payment $0/mo
Auto loans $0/mo
Credit cards (minimums) $0/mo
Student loans $0/mo
Other personal debt $0/mo
Spouse income (annual) $0/yr

Optional household income

Total annual cash flow (business + spouse) -
Total annual debt service (business + SBA + personal) -
Global DSCR -

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Most SBA declines happen at the global cash flow level, not the simple DSCR level. This view mirrors how underwriters combine your business numbers with personal obligations.

Post-Close Liquidity Test

This mirrors a common underwriting check: lenders want to ensure borrowers have enough liquid reserves after closing to cover several months of debt payments.

Post-Close Liquidity $50,000

Cash and liquid assets you'll have after closing (excluding retirement accounts).

Months of Coverage -

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SBA Guarantee Fee

SBA 7(a) loans include a guarantee fee that can be financed into the loan or paid upfront.

Include SBA guarantee fee in calculations

Option A (e.g., 7(a) Standard)

Interest Rate 7.50%
Term 10 years
Monthly Payment -
Total Interest -
Total Repayment -

Option B (e.g., 504 or Extended Term)

Interest Rate 8.50%
Term 25 years
Monthly Payment -
Total Interest -
Total Repayment -

Loan Structure

Bank First Lien % 50%
CDC Debenture % 40%
Borrower Injection % 10%

Rates & Terms

Bank Rate 7.50%
Bank Term 10 years
CDC Rate 6.00%
CDC Term 25 years

Bank First Lien

Principal -
Monthly Payment -

CDC Debenture

Principal -
Monthly Payment -
Borrower Injection Required -
Combined Monthly Payment -