Calculator
SBA Loan Payment Estimator
Plug in a loan amount, pick a program, and see an estimated monthly payment, total interest, and the SBA guaranty fee (for 7(a)) right away. The output is illustrative — talk to us for an actual term sheet.
Loan Inputs
Estimate
Monthly Payment
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Total Interest
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Total Paid
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SBA Guaranty Fee (estimated)
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This is an estimate. Actual SBA pricing depends on the prime rate the day your loan funds, the lender's spread, your credit profile, deal structure, and SBA fees in effect at funding. Get an actual term sheet —
schedule a call.
SBA 7(a) Guaranty Fee Schedule (FY2026)
| Loan Size | Guaranty Fee | Applies To |
|---|---|---|
| ≤ $1,000,000 | 0.00% | Currently waived for small loans |
| $1,000,001 – $2,000,000 | 1.45% | On guaranteed portion (75% guaranty) |
| $2,000,001 – $5,000,000 | 3.50% (first $1.5M) + 3.75% (over $1.5M) | On guaranteed portion (75% guaranty) |
[PLACEHOLDER — verify against current SBA fee schedule. SBA updates fee tables annually; these reflect typical FY2026 ranges. Confirm with your lender.]
Want the Real Numbers?
The calculator is a sanity check. The actual deal — equity injection, seller note treatment, blended cost across programs, current prime rate, lender spread — needs a structuring conversation.
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