PROFITTHEORY

SBA loan calculator

SBA loan payment calculator

Enter a loan amount, an illustrative rate and a term to estimate a monthly payment. SBA terms vary by use — real estate typically longest, working capital and acquisitions shorter — and rates are set by the lender within SBA caps.

Review my SBA numbers with your financing specialist Estimate a payment

Estimates only. Results vary. No guarantee of approval, rates or savings.

Profit Theory is not a lender. Providers make all funding decisions; approval is never guaranteed.

Reading the result

The estimate excludes the SBA guarantee fee and lender fees. Variable-rate loans change with the base rate, so test a higher rate to see how much room your cash flow has.

Run the numbers

Blue = you enterGreen = calculatedGray = assumptionAmber/red = check this
$
% APR

Use a rate you were quoted, or test a range. Not a quote.

years

10 years / 120 months

% of loan

Estimated monthly payment

$6,469.88

Total interest

$276,385

Total repaid

$776,385

Fixed-rate, fully amortizing estimate. Excludes variable-rate changes, prepayment terms, guarantee fees and closing costs unless entered. Not an offer or approval.

Talk to a financing specialistOptional. Your result stays on this page.

Estimates only. Results vary. No guarantee of approval, rates or savings.

Talk with a payments specialist

Common questions

What rate should I use?

Use a range. Actual rates are set by the lender within SBA maximums — check SBA.gov for current caps.

Does this include fees?

No. Add guarantee and closing fees separately.

Is this an offer?

No. It's an estimate for planning. Lenders decide terms.

Related

Choosing a loan termSBA 7(a) loan requirements