SBA loan calculators
These two calculators estimate an SBA 7(a) or SBA Express payment, and an SBA 504 project split between the borrower, a bank, and a CDC. Each result is an estimate. Your lender or CDC sets the rate and fees.
Estimate as of Oct 2026. Actual rates and fees are set by the lender, and SBA rules change.
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Free match against 1,700+ federal and state grants, tax credits, incentives and SBA loans. Some programs can lower what you need to borrow.
How we calculate this
The monthly payment uses standard amortization: payment = principal × monthly rate ÷ (1 − (1 + monthly rate) ^ −months). A 0% rate spreads the principal evenly. A $0 amount is a $0 payment. Dollars round to the nearest $1. The 504 estimate amortizes the bank portion and the CDC portion separately.
- 7(a) maximum loan, SBA Express cap, guaranty percents, maturity, variable-rate spreads, upfront fee policy, annual service fee (cannot be charged to the borrower), and prepayment. Checked 2026-10-27.
- 7(a) maximum loan amount of $5 million on the borrower page. Checked 2026-10-27.
- SOP 50 10 8.1 Appendix 18 variable-rate spreads, and 504 contribution, debenture, and term rules. Checked 2026-10-27.
- October 2026 maximum fixed rates (15% / 14% / 13% / 12%) and the 7.00% prime used on that table, row dated October 1, 2026. Checked 2026-10-27.
- Lender annual service fee of 0.55% for 7(a) loans approved March 27, 2025 through September 30, 2027. Checked 2026-10-27.
- 504 maximum of $5.5 million, terms of 10, 20, and 25 years, and fees of about 3% of the debt. Checked 2026-10-27.
- 504 borrower contribution of 10%, 15%, or 20% (13 CFR 120.910). Checked 2026-10-27.
The FY2027 upfront guaranty fee schedule was not on sba.gov on October 27, 2026, so this page does not fill those percents in. The October 2026 504 debenture rate was not on sba.gov either. Enter the rate your CDC quotes.
Related
Your lender sets your actual rate, fees, and down payment. This isn't a loan offer.
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FundPlenty isn't affiliated with or endorsed by the U.S. Small Business Administration.