SBA Loan Calculator
Model a 7(a) or 504 structure in 60 seconds, next to your current rent.
Your project
Updates as you type.
504 structure follows the program's standard shape: roughly 50% bank loan, a 504/CDC portion, and a borrower injection of 10% - plus 5% if the building is special-purpose and 5% if the business is under two years old (capped at 20%). Rates are your estimates, not quotes - actual pricing is set by the lender and, for the 504 debenture, by the market at funding. Estimates are illustrative and educational, not an approval, eligibility determination, commitment, rate quote or guarantee. See how these figures are calculated. Wondering which program fits? Read 7(a) vs 504, plainly.
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A specialist reviews it and replies within one business day: program, real injection, next steps.
Before you run the numbers
Why does the 504 show two loans?
A bank finances about half, a Certified Development Company (CDC) funds an SBA-backed portion, you inject the rest. Each piece has its own terms.
Is 10% down guaranteed?
No. 10% is standard for an established business and general-purpose building. Special-purpose or under two years old each add 5%; lender overlays vary.
Which rate should I enter?
Your own best estimate; we don't pre-fill figures because they move.
Prepare the next decision
Before entering calculator assumptions, use the SBA 7(a) versus 504 comparison to separate use of funds from financing structure. Then review the SBA down payment guide to organize borrower equity and costs that need confirmation.