SBA Loan Calculator
Estimate interest rate ranges and payments for SBA 7(a), 504, and Microloan programs.
SBA Loan Calculator
Estimate rate range, monthly payment, and a simple qualification signal.
Enter your details
Your Results
Program comparison (quick)
| Loan program | Typical use | Typical term |
|---|---|---|
| SBA 7(a) | General purpose | Up to 10–25 yrs |
| SBA 504 | Real estate/equipment | 10–25 yrs |
| Microloan | Smaller needs | Up to ~6 yrs |
Common documents
- Personal and business tax returns
- Business financial statements (P&L, balance sheet)
- Business plan or use-of-funds summary
- Debt schedule and bank statements
- Ownership and management background information
How this loan calculator works
The SBA Loan Calculator in figflows is designed to give you a fast and practical estimate without requiring an account or sending your data to a server. You can explore different scenarios by changing inputs and immediately seeing how the outputs respond.
We keep the experience static-first and SEO-friendly: the page content is pre-rendered at build time, and only the calculator itself runs on the client. That approach keeps the site fast while still delivering interactive results.
Use this page as a planning tool: start with realistic inputs, then adjust one variable at a time to understand what matters most. If you’re using this calculator for budgeting, it’s often helpful to run a “best case,” “expected,” and “worst case” scenario and compare the deltas.
Quick steps
- Enter your inputs in the form above. You can adjust values to compare scenarios.
- We compute results instantly in your browser (no server calls), so your inputs stay on your device.
- Use the output cards to understand the “headline” result, then review the breakdown/table for details.
Limitations & important notes
Loan offers depend on lender terms, fees, and underwriting. Use this as a planning tool and confirm details with your lender.
For the most accurate outcome, confirm assumptions (rates, fees, coverage details, and thresholds) against current official sources or provider documents. We’ll continue improving the underlying reference datasets over time.
Practical guidance for SBA Loan Calculator
Why SBA loans are different
SBA loans are partially guaranteed, which can make terms more favorable for qualifying small businesses. This calculator is designed for planning: it estimates payment and interest based on common SBA-style structures so you can budget and compare against conventional offers.
Use it when you’re evaluating expansion, acquisition, or refinancing scenarios and want to understand payment sensitivity to rate and term.
What can change the real-world cost
- Upfront fees and packaging costs.
- Variable rate structures and future rate changes.
- Collateral requirements and underwriting constraints.
- Timing: longer approval cycles may affect project plans.
Next steps
Run a conservative rate scenario and confirm fee assumptions with your lender. SBA can be a great option, but your timeline and documentation readiness matter as much as the rate.
SBA Loan FAQ
Which SBA program should I choose?
SBA 7(a) is often flexible for many purposes, 504 is common for real estate/equipment, and microloans fit smaller needs.
How is the rate estimated here?
We provide a planning estimate using program type, credit range, business age, and loan size. Confirm live rates with lenders.
What documents are usually required?
Tax returns, financial statements, and a use-of-funds summary are commonly requested. Requirements vary by lender.
Related Calculators
Get more confidence in your numbers
Explore our calculators and guides to make smarter business decisions.
Browse calculators