SBA Loan Calculator.
Model a 7(a) or 504 structure in 60 seconds: your down payment, the loan components, and the estimated monthly payment - side by side with the rent you pay now.
Your project
Enter your figures - the structure 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.
Have a specialist pressure-test this structure.
A specialist reviews the scenario you built and replies personally within one business day: which program actually fits, what the injection would really be, and what to line up next.
Before you run the numbers
Why does the 504 show two loans?
That's the program's structure: a bank finances roughly half the project, a Certified Development Company (CDC) funds a second portion backed by the SBA, and you inject the remainder. The two pieces carry different rates and terms, which is why the calculator prices them separately.
Is 10% down guaranteed?
No - 10% is the standard 504 injection for an established business buying a general-purpose building. Special-purpose properties and businesses under two years old each add 5%, and lender overlays or eligibility findings can change the picture. The calculator models the program's structure rules; a specialist confirms what applies to your project.
Which rate should I enter?
Your best current estimate - ask lenders you're talking to, or use a rate you consider realistic for your credit profile and market. We deliberately don't pre-fill market rates: they move, and a stale number would mislead you. The math is exact for whatever rate you enter.