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SBA Loan Parameters
Loan Term
Estimated Results
SBA Loan Summary
Estimated Monthly Payment
$6,469.88
× 120 payments
First 6 Payments
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $6,469.88 | $2,511.55 | $3,958.33 | $497,488.45 |
| 2 | $6,469.88 | $2,531.43 | $3,938.45 | $494,957.02 |
| 3 | $6,469.88 | $2,551.47 | $3,918.41 | $492,405.55 |
| 4 | $6,469.88 | $2,571.67 | $3,898.21 | $489,833.88 |
| 5 | $6,469.88 | $2,592.03 | $3,877.85 | $487,241.85 |
| 6 | $6,469.88 | $2,612.55 | $3,857.33 | $484,629.30 |
Educational projection only. Actual terms depend on SBA program eligibility and lender underwriting criteria.
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Frequently Asked Questions
SBA loan interest rates are typically tied to the Prime Rate plus a lender spread. Rates vary by loan program (SBA 7(a), 504, etc.), loan size, and repayment term. This calculator uses an annual rate you specify to model a fully amortizing monthly payment schedule.
Upfront fees are paid at closing and do not affect your monthly payment. Financed fees are added to your loan principal before computing the monthly payment — you pay them over time with interest. Financing fees increases your total interest cost but reduces the cash needed at closing.
No. This calculator provides educational projections only. Actual SBA loan terms — including approved amounts, interest rates, fees, and eligibility — are determined by the lender and SBA program requirements. Not all businesses qualify for SBA financing.
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