SBA 7(a): business financing
Consider 7(a) for an acquisition, working capital, equipment, eligible refinancing or real estate. Start with the amount you need to borrow and the intended use.
Official SBA 7(a) informationU.S. SBA 7(a) & 504 financing
SBA financing, with the payments in view.
Plan a business acquisition, expansion or property purchase with a clearer monthly budget. Start with a 10-year 7(a) estimate or a 25-year 504 real estate example, then adjust the details.
U.S. businesses · USD estimates · Subject to eligibility
Plan your cash flow
SBA 7(a) & 504 payment calculator.
Choose the program, enter your numbers and see the estimated monthly payment.
Estimated monthly principal + interest
- Annual principal + interest
- Interest over the term at the entered rate
- Total principal + interest over the term
- Bank loan payment
- CDC loan payment
- Your contribution, before fees and closing costs
- Total amount financed
- Bank balance due at maturity
Review your details before submitting. Calculating alone sends no inquiry.
Planning estimates use monthly principal-and-interest payments and the annual rate divided by 12. Rates stay constant in the model; variable-rate payments can change. Fees, closing costs, taxes, insurance, reserves and prepayment charges are excluded. The 504 calculation limits the CDC portion to $5.5 million; a lower limit may apply. Eligibility, contributions and loan terms require lender and CDC confirmation.
Choose the program
Match the financing to what you’re building.
SBA 504: major fixed assets
504 can support eligible owner-occupied property and long-lived equipment. This calculator models a 25-year real estate project. Working capital and inventory need a different structure.
Official SBA 504 informationThe calculator uses simplified structures. Compare the program’s permitted uses and terms with the SBA’s program guidance and your participating lender.
Prepare for a review
Start with the business, the project and the timeline.
Bring the requested amount, intended use, business financials, tax returns, ownership information and available equity. For property financing, include the property details, occupancy and proposed purchase or refinance.
SBA generally involves a more detailed review. If timing is tight, we can compare other structures alongside the SBA path.
Questions before you apply
SBA financing questions.
Is SBA 7(a) always a 10-year loan?
The calculator starts at 10 years for business financing. Eligible real estate can qualify for up to 25 years. The permitted term depends on how the funds are used and the lender’s review.
Does Prime plus 2.00% apply to the whole 504 project?
The calculator uses Prime plus 2.00 percentage points as an indicative bank-rate assumption. A 504 project also has a separate CDC loan with its own fixed rate. Enter the CDC quote to estimate the combined payment.
How does the 25-year SBA 504 estimate work?
The example uses 25-year amortization for both loans, with 50% bank financing, 40% CDC financing and a 10% borrower contribution. You can increase the contribution and select a shorter bank maturity. Any remaining bank balance is shown separately.
Are the displayed rates an offer?
No. Prime plus 2.00 percentage points is an indicative assumption, and the CDC rate starts with an editable example. Rates, fees, equity requirements and approval depend on the business, property and participating lenders.
What should I prepare for an SBA review?
Start with the intended use, requested amount, business financials and tax returns, ownership details, available equity and timeline. For a property project, include the property details, occupancy and purchase or refinance information.
Your next step
Let’s review your SBA financing.
Share the amount, use and timing. I’ll help assess the fit and next steps.