SBA 504 loan calculator
The whole 504 project, in one number
Enter the project cost. We split it the way a 504 does, bank first mortgage, SBA-backed debenture, and your equity, price the 504 at the current published rate, model the bank piece at an editable rate, then add the closing costs most calculators leave out.
How the project splits
Loan term
Small Loan and Express are 7(a) delivery methods with their own limits; the SBA fee schedule is shared across 7(a).
Enter total project cost. The 504 finances owner-occupied real estate and major equipment, not working capital.
7(a) variable rates are capped at prime plus an SBA maximum spread that depends on loan size. Blank models that cap; enter a lender quote to follow it.
Everything you type stays in this browser. Nothing is transmitted, logged, or stored, there is no account and no server on the other end of this calculator.
Estimates only. Not lending advice.
Estimated monthly payment
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Estimated upfront guarantee fee
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All-in first-year cost
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If the fee is financed into the loan
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Total interest over the term
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First 12 months of amortization
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