United States only. These are US federal program under SOP 50 10 8, priced off two different US benchmarks: SBA 7(a) and Express track the WSJ Prime Rate plus a spread, while the 504 debenture prices off US Treasury yields when it sells, not when you sign.

Tax, Caps, fees, eligibility and the Section 179 limits all come from US statute and change with it. Outside the US the arithmetic still holds; the program, benchmarks and limits do not.

Current as of August 2026. Check the SOP before relying on a figure.

SBA 7(a) Loan Program

The most flexible SBA loan
for business acquisition

The SBA 7(a) is the U.S. Small Business Administration's flagship loan program -- and the most common financing vehicle for buying a business. This calculator models every variable a lender will underwrite: Prime-plus rate, note maturity vs. amortization period, balloon payment, DSCR against your EBITDA, SBA guarantee fee, and full amortization schedule.

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Prime-based rate modeling — Set the current Prime Rate and lender spread separately, or enter a fixed rate directly. The calculator shows how rate changes move your monthly payment and total interest cost.

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Note maturity vs. amortization period — SBA 7(a) loans can have a shorter note maturity than the amortization period -- creating a balloon payment at maturity. Model both and see your balloon amount.

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DSCR analysis — Enter your business EBITDA (or SDE) and existing debt service. The calculator computes your Debt Service Coverage Ratio and flags whether it meets the SBA 1.25x minimum.

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SBA guarantee fee — Model the upfront SBA guarantee fee (charged on the guaranteed portion), annual guarantee fee, and origination fee to see true all-in cost of borrowing.

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Full amortization schedule — View a month-by-month or year-by-year amortization table showing principal, interest, and remaining balance for the life of the loan.

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Side-by-side term comparison — Compare two different loan structures -- different terms, rates, or amortization periods -- side by side to find the optimal structure before you apply.

Prime + SpreadFixed Rate OptionMonthly PaymentTrue APRDSCRBalloon PaymentGuarantee FeeAmortization ScheduleTerm ComparisonCollateral LTV

What this calculator models

$5MSBA 7(a) max loan

10yrMax for business acq.

1.25xSBA DSCR minimum

FullAmortization schedule

Key inputs

Loan amount$50K to $5M slider. SBA 7(a) maximum is $5M.

Rate structurePrime Rate + lender spread (variable) or fixed rate.

Term vs. amortizationNote maturity and amortization period can differ -- creating a balloon.

EBITDA / SDEEnter business earnings to calculate DSCR. SBA requires 1.25x or higher.

FeesUpfront guarantee fee, annual guarantee fee, and origination fee.

SBA 7(a) quick facts

1.25x minSBA requires global DSCR of 1.25x. Most lenders want 1.35x+.

10% injectSBA typically requires 10% equity injection for business acquisitions.

For informational purposes only. Not financial or lending advice. SBA guidelines change frequently -- confirm current rates, fees, and eligibility with an approved SBA lender.

Free CalculatorSBA 7(a) Loan Program

SBA 7(a) Loan Calculator

Compute monthly payment, true APR, DSCR, total cost of borrowing, and full amortization schedule. Includes SBA guarantee fees and credit scorecard.

Monthly Payment

$10,386

Principal + interest

Serviceable

True APR

11.9%

Incl. all fees amortized

1.41% over stated rate

DSCR

1.77x

Business EBITDA / total ADS

Passes 1.25x

Total Cost

$526K

Interest + all fees, life of loan

Per $1: $0.70

Credit Score

73/100

Approve

Wall Street Journal PrimeReference

6.75%Your rate10.50%prime +3.75

Live feed unavailable -- this is a reference value, not today's rate. Confirm with your lender before quoting.

1Loan Terms

$750K▼

Loan amount

$50K$5M

SBA 7(a) max: $5M | Requested: $750K (fee rolled in)

Loan term (maturity)

5yr25yr

Working capital max: 10yr | RE: 25yr | Equip: 10yr

Amortization

5yr25yr

Fully amortizing over the term. No balloon.

Interest rate

5%18%

SBA max: Prime + 2.75% (loans under 7yr) or Prime + 3.75%

Rate type

Loan purpose

2Borrower Profile

1.77x DSCR▼

Annual EBITDA / SDE

$25K$2M

Debt capacity at 1.25x DSCR: $176K

Existing annual debt service

$0$500K

All other business P+I payments -- do not include this loan

Down payment / equity injection

$0$750K

16.7% of $900K project | SBA measures injection against project cost

Collateral value (FMV)

$0$50M

LTV: 128.3% | Weak

FICO credit score

550850

Meets minimum

Years in business

1yr30yr

Industry risk

3SBA Fees

$20K▼

SBA guarantee

Include upfront guarantee fee

Finance fee into loan

Upfront SBA fee: $19,688

0% (<$150K) | 2% ($150-700K) | 3% ($700K-$1M) | 3.5% ($1M+) on guaranteed portion

SBA guarantee %

50%90%

Standard for $750K: 75% (85% at or below $150K, 75% above)

Annual SBA guarantee fee %

0%2%

Currently 0.55% on outstanding guaranteed balance annually

Lender fees

Origination fee %

0%3%

Origination: $7,500

Packaging fee ($)$2,500

SBA lender packaging / processing fee

Loan Summary

Monthly payment

$10,386

P+I only

Annual debt svc

$124,629

12 months of P+I

Total financed

$770K

Fee rolled in

Net proceeds

$740K

After upfront fees

Field	Value	Field	Value
Loan amount	$750K	Total financed (w/ fee)	$770K
Interest rate	10.5% var	Loan term	10 years
Monthly P+I	$10,386	Annual debt service	$124,629
True APR	11.9%	Total interest (life)	$477K
Upfront guarantee fee	$19,688	Lender origination	$7,500
Annual SBA fee (yr 1)	$3,175	Total cost of borrowing	$526K
LTV (collateral)	128.3%	Down payment	$150K (17% of project)
DSCR	1.77x	Loan purpose	ACQ

Quick assessment

DSCR of 1.77x clears the 1.25x minimum. Monthly payment of $10,386 is serviceable from current EBITDA. Total borrowing cost of $526K over 10 years.

SBA 7(a) estimate -- not a commitment to lend. Rates and fees subject to change. October 27, 2026

The most flexible SBA loanfor business acquisition

SBA 7(a) Loan Calculator

The most flexible SBA loan
for business acquisition