SBA Loan Calculator
Estimate your SBA payment
Monthly payment
$5,935.09Combined monthly payment
$4,256.15Payment estimate
An estimate is not an offer or a rate quote.
Default rate is illustrative, not a quote. Figures as of October 12, 2026.
504 project split
In 504 mode the amount is treated as total project cost. The financed portion is computed from the live split.
Adds 200 basis points to the rate and recomputes the payment.
Upfront guaranty fee
Guaranteed portion: 85% of gross for loans of $150,000 or less, 75% above (13 CFR 120.210).
FY2027 upfront fee per SBA Information Notice 5000-881797, for approvals through September 30, 2027.
Not included: the outstanding guaranty cap, SBA Express and export product fee schedules, the 90-day loan combination rule, and fee relief for veterans, manufacturers, food supply chain businesses, and rural-area businesses.
Coverage and liquidity
Blank spouse income and personal debt fields count as zero after cash flow is entered.
DSCR compares yearly cash flow to yearly debt payments.
Global DSCR adds personal debt payments and spouse income.
Liquidity shows how many months of debt payments your cash covers.