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Enter your borrower profile once and compare all three programs across capital structure, monthly payment, amortization and true cost — with a recommendation built from your DSCR, credit, purpose and down payment.

Two-tranche 504 with separate bank and CDC debenture amortization
True APR including SBA guaranty fees and lender origination
Cost to year 10 including the balance a longer amortization leaves behind
Fit score across DSCR, collateral, credit, purpose and injection

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Live comparison preview$750K PROJECT

SBA 7(a)

$8,920

10-yr · $675K financed

SBA 504

$5,071

25-yr · $675K in two notes

Conventional

$8,734

10-yr · $675K financed

Monthly payment

Cost to year 10

Lowest cost to year 10Conventional — $1,054,870

All three finance the same amount: every program takes a ten percent injection, so the comparison is not quietly handing the 504 a smaller loan. Cost to year 10 is payments made plus the balance still outstanding plus upfront fees, because a 504 amortizes over twenty-five years and a 7(a) over ten — comparing payments alone leaves $539,630 of 504 principal out of the picture. Only the 7(a) is priced on prime; the debenture is fixed at sale and the bank first is conventional. Time value is not applied.

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