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SBA 7(a) Loan Calculator
Model a planning scenario for SBA's primary business-loan program.
SBA 7(a) Loan Calculator
Enter your numbers and the result updates straight away.
Outputs
Planning estimate only. Verify assumptions before making a financial decision.
A $1 million project with 10% equity produces an estimated $900,000 loan before fees and eligibility adjustments.
How this calculation works
The entered equity percentage is deducted from total project cost, and the balance is amortized at the entered rate and term.
How to interpret the result
This is not an SBA approval or term quote. The SBA describes 7(a) as a lender-delivered guaranty program with uses including working capital, fixed assets, refinancing, and ownership changes. Confirm current eligibility, fees, collateral, rate limits, injection, and maturity with a lender.
Limitations
Results are educational planning estimates. They do not include every tax, legal, accounting, financing, or business-specific consideration and are not professional advice.
Sources and further reading
Formula and example
A $1 million project with 10% equity produces an estimated $900,000 loan before fees and eligibility adjustments.
Common use cases
- Estimate borrower cash.
- Model payment and annual debt service.
- Test rate, term, and equity cases.
SBA 7(a) Loan Calculator FAQ
How is SBA 7(a) calculated?
The entered equity percentage is deducted from total project cost, and the balance is amortized at the entered rate and term.
What should I check before using the result?
This is not an SBA approval or term quote. The SBA describes 7(a) as a lender-delivered guaranty program with uses including working capital, fixed assets, refinancing, and ownership changes. Confirm current eligibility, fees, collateral, rate limits, injection, and maturity with a lender.
Does this calculator provide financial advice?
No. It applies the stated formula to your inputs for educational planning. Validate definitions, timing, accounting treatment, and assumptions before acting.