SBA Loan Calculator

Q: How much down payment does an SBA loan require?

Typically 10% of the total project cost. Special-use properties (like hotels or gas stations) and startups or business acquisitions without hard collateral can require 15 to 20%. That is still well below the 25 to 35% most conventional commercial loans expect.

Q: What is the difference between SBA 7(a) and 504?

7(a) is the flexible, general-purpose program: real estate, business acquisition, equipment, and working capital, usually at a floating rate. 504 is built for fixed assets like owner-occupied real estate, pairing a bank first lien with a fixed-rate CDC second. 504 often wins on rate for pure real estate; 7(a) wins on flexibility.

Q: What rate should I expect on an SBA loan?

SBA rates float with the prime rate plus a lender-set spread, and 504 debentures price off market bond rates, so the rate in this calculator is a placeholder to adjust, not a quote. USAM Fund places SBA loans across a network of more than 20 SBA lenders to find the strongest terms for your file.

Estimate the payment on government-backed terms.

Total project cost$Down payment%Interest rate%Termyrs

Est. monthly payment

$7,633

10% down, 25-year term

Fully amortized, no balloon. Standard SBA down payment is 10%; special-use property or a startup can push it to 15-20%. Real SBA rates float with prime and are set by the lender.

Loan amount$1,080,000

Down payment$120,000

Total interest over the term$1,209,965

Get matched

Inputs are pre-filled with example figures, edit them to match your deal. Estimates only, for planning purposes, and not a rate quote, an offer, or a commitment to lend. Your actual rate and terms depend on a full review of your deal.

SBA 7(a) and 504 loans pair low down payments (often 10%) with long, fully amortized terms, up to 25 years on real estate, with no balloon. That combination usually produces the lowest monthly payment available on owner-occupied commercial property or a business acquisition. Enter your total project cost and down payment to see the loan amount, estimated monthly payment, and total interest over the term.

Common questions

How much down payment does an SBA loan require?

What is the difference between SBA 7(a) and 504?

What rate should I expect on an SBA loan?

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