SBA Loan Calculator
Estimate monthly payments for SBA 7(a) loans. Understand financing costs for small business acquisitions.
SBA 7(a) Acquisition Loan Calculator
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Down Payment
$0
(20.0% of purchase price)
Loan Amount
$0
SBA 7(a) Loan
Monthly Payment
$0
Plus seller finance if included
Loan Summary
Purchase Price:$0
Down Payment:$0
SBA Loan Amount:$0
Monthly Payment:$0
Annual Payment:$0
Total Interest:$0
Total Amount Paid:$0
Debt Service Summary
SBA Monthly Payment:$0
Total Annual Debt Service:$0
Use this for DSCR calculations
DSCR = Annual NOI / $0
Understanding SBA 7(a) Loans
Key Features
- ✓Government-backed loans (SBA guarantees 75-90%)
- ✓Loan amounts: Up to $5M
- ✓Terms: 5-10 years typical for acquisitions
- ✓Fixed or variable rates available
Typical Terms
Minimum Down Payment
10-20%
Of purchase price
Processing Time
30-45 days
From application to funding
SBA 7(a) Loan Costs
Interest Rate (current market)Prime + 2.5-3.5%
Origination Fee1-2.5% of loan amount
Guarantee Fee2-3.75% of guaranteed portion
Annual Prepayment PenaltyNone
Lender Requirements: Most lenders require DSCR of at least 1.25x (debt service coverage ratio). This means your business must generate enough cashflow to cover loan payments with 25% cushion.
Disclaimer: Rates and terms vary by lender, creditworthiness, and market conditions. This calculator uses typical parameters. Contact your lender for exact quotes.