Move sliders, set your term, and instantly see your monthly payment, total interest, and full year-by-year payoff timeline. Nothing leaves your browser.
Estimated monthly payment
*Qualification criteria, rates, and other funding terms vary by business type, location, and other factors. This calculator is not a guarantee of funding and should not be relied upon as an accurate assessment of the availability or terms of any represented funding products.
This SBA loan calculator provides estimated monthly payments, total repayment, and illustrative fees for an SBA 7(a) loan based on the inputs you enter and standardized lending assumptions. It is intended as a planning tool — not a loan offer or eligibility decision.
Actual loan terms vary by lender, borrower profile, and current SBA guidance. If your business doesn't fit the SBA timeline or qualification requirements, see our guide on choosing between an MCA and a business loan.
To generate an estimate, this calculator only asks for high-level information:
No personal, financial, or credit data is required. Your inputs are processed entirely in your browser.
A recurring payment based on principal and interest over the selected term, calculated using a standard amortization (PMT) formula at the maximum SBA 7(a) variable rate for your loan size.
The combined amount of principal and interest paid over the life of the loan.
An approximation of the SBA guarantee fee (tiered by loan size) and a typical lender packaging fee that may apply at origination.
An estimated upfront contribution. Applied when the loan is used to buy a business or purchase real estate; not applied to working-capital loans.
A projected date when the loan balance reaches zero under the modeled payment structure.
The timeline shows how each year's payments split between principal and interest. Early years are interest-heavy; later years are principal-heavy. Your actual schedule will be issued by the lender at underwriting.
SBA loans are well-suited to long-horizon needs — buying out a partner, acquiring real estate, or financing major equipment — when you have time for the 30-to-90-day approval process. For short-horizon working capital or businesses that don't yet meet SBA credit and time-in-business requirements, faster alternatives exist. Our team at iAdvance Now can help you compare an SBA path against same-week funding options.
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