SBA loans can be confusing. Rates, terms, fees, and down payments vary by program. A calculator helps you estimate monthly payments, total interest, and payoff timelines before you talk to a lender.
SBA Loan Types
- SBA 7(a): Flexible working capital, acquisitions, equipment, and real estate.
- SBA 504: Fixed‑rate financing for owner‑occupied commercial real estate and heavy equipment.
- SBA Express: Smaller loans with faster decisions.
What a Calculator Shows You
- Estimated monthly payment based on amount, rate, and term
- Total interest and total cost over the life of the loan
- Amortization schedule and payoff timing
Try a Free SBA Calculator
Use the free calculators for 7(a), 504, and Express to get your numbers in under a minute:
After you understand your payment range, you can speak with a lender to confirm eligibility and terms.