SBA loan cost calculator
What an SBA loan actually costs
Most calculators show a payment and stop. This one adds the piece generic tools miss, the SBA upfront guarantee fee, then totals what the first year really costs. Adjust anything and every figure updates as you go.
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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Direct SBA 7(a) lender
Funding Circle
A direct SBA 7(a) lender known for publishing its rate ranges and turn times up front.
See current 7(a) rates