01
Enter the Project Cost
Add the total amount needed for the business project, acquisition or investment.
Business and Lending
SBA Loan Calculator
Estimate SBA-style business financing payments, borrower injection, guaranty fees, total interest, payoff time, annual debt service and cash-flow coverage.
SBA-focused loan planning
Cash-flow coverage analysis
Extra payment savings
SBA Financing Details
Enter the project cost, borrower contribution, proposed loan terms and estimated lender fees.
SBA Financing Estimate
Review the estimated repayment, fees, project contribution and business cash-flow coverage.
Required monthly payment
$2,919.00
Principal and interest before extra payments
Planned monthly payment
$3,169.00
Includes optional extra payment
Estimated payoff time
9 years
Approximately 1 year saved
Base loan request
$225,000.00
Total amount financed
$235,500.00
Total interest
$0.00
Interest saved
$0.00
Total estimated fees
$10,500.00
Annual scheduled debt service
$0.00
Borrower injection
$25,000.00
Injection percentage
10.00%
Loan-to-project cost
90.00%
Upfront cash required
$25,000.00
Total loan payments
$0.00
Total financing cost
$0.00
Cash-flow coverage ratio
0.00
Effective borrowing rate
0.00%
Number of payments
0
First-month interest
$0.00
The entered cash flow provides estimated coverage
above 1.25 times annual scheduled debt service.
This calculator is a planning tool. SBA program
eligibility, guaranty fees, interest-rate limits,
required equity, collateral and lender terms can
vary by program and financing request.
SBA Financing
What Is an SBA Loan?
Understand how SBA-supported financing can help qualifying businesses fund growth, acquisitions and major investments.
An SBA loan is generally issued by an approved lender and supported by a government guaranty. The guaranty can reduce part of the lender's risk, but the borrower remains responsible for repaying the full debt.
Businesses may use qualifying financing for purposes such as working capital, equipment, business acquisition, inventory, owner-occupied real estate, construction or refinancing eligible debt.
Actual terms depend on the program, business purpose, lender underwriting, available cash flow, borrower equity, collateral, credit history and other eligibility factors.
How It Works
How to Use the SBA Loan Calculator
Estimate your proposed financing structure in four simple steps.
02
Add Your Contribution
Enter the borrower injection or equity amount being contributed toward the project.
03
Set Terms and Fees
Enter the interest rate, term, estimated guaranty fee, packaging fee and closing costs.
04
Review the Analysis
Compare the monthly payment, total interest, coverage, upfront cash and payoff savings.
Financing Measurements
Important SBA Loan Planning Metrics
Review the measurements that help explain affordability, borrower equity and total financing cost.
Borrower Injection
The cash or eligible equity contributed by the borrower toward the total project cost.
Estimated Guaranty Fee
An editable planning estimate for a possible fee associated with the guaranteed portion of financing.
Cash-Flow Coverage
The annual business cash flow available for debt divided by annual scheduled principal and interest.
Extra Payment Savings
Additional principal payments may shorten the repayment period and reduce total interest.
Repayment Schedule
SBA Loan Amortization Preview
Review how the early payments are divided between principal and interest.
| Payment | Payment Amount | Principal | Interest | Remaining Balance |
|---|
Frequently Asked Questions
SBA Loan Calculator FAQs
Helpful answers about SBA-style payments, borrower contributions, fees and repayment estimates.
The payment is calculated using the total financed
balance, annual interest rate and repayment term. The
calculation assumes a fixed rate and equal monthly
principal and interest payments.
A borrower injection is the amount of cash or eligible
equity the business owner contributes toward the total
project cost. Actual requirements depend on the program,
transaction and lender.
No. The guaranty fee field is editable and is included
only for planning. Official fees may depend on the
program, loan size, guaranteed portion and current
applicable rules.
Some eligible fees may be included in financing,
depending on the loan structure and lender. This
calculator lets you compare financing the entered fees
with paying them upfront.
The ratio compares annual cash flow available for debt
payments with annual scheduled principal and interest.
A ratio above 1.00 means the entered cash flow exceeds
estimated debt service.
Extra payments are applied toward the outstanding
balance in this calculator. They may reduce total
interest and shorten the estimated payoff period.
It can provide a general single-loan estimate using the
terms entered. A complete 504 financing structure may
contain separate lender and development-company
portions that should be calculated individually for a
more detailed estimate.
No. This calculator provides an educational estimate.
Approval depends on program eligibility, lender
underwriting, credit, business cash flow, collateral,
project purpose and other requirements.
Important: This SBA loan calculator is
provided for general informational and planning purposes
only. It does not constitute SBA approval, a lender offer,
financial advice, accounting advice, tax advice or legal
advice. Program requirements and lender terms may differ.