SBA Loan Payment Calculator
Enter your loan details to see your estimated monthly payment, total interest cost, and full amortization schedule. Works for SBA 7(a) loans, conventional business loans, and seller notes.
SBA 7(a) Loan Basics
The SBA 7(a) loan is the most common financing tool for small business acquisitions. Key parameters:
- Maximum loan amount: $5 million
- Maximum term: 10 years for working capital and equipment; 25 years for real estate
- Down payment: typically 10% for acquisitions (seller note can satisfy part of this)
- Interest rate: variable, tied to the Wall Street Journal Prime Rate plus a lender spread. As of mid-2026, fully-loaded rates are commonly 10%–11.5% for acquisition loans.
- Guarantee fee: SBA charges a guaranty fee on the guaranteed portion (2%–3.5% depending on loan size), typically rolled into the loan amount
- Prepayment penalty: applies only to loans with terms 15 years or longer, in the first 3 years
How SBA Loan Payment is Calculated
SBA 7(a) loans use standard amortizing loan math: each monthly payment covers interest accrued on the outstanding balance plus a portion of principal. Early payments are mostly interest; later payments are mostly principal. This calculator uses the standard annuity formula:
Monthly Payment = P × [r(1+r)â¿] / [(1+r)⿠− 1]
Where P = principal (loan amount minus down payment), r = monthly interest rate (annual rate ÷ 12), and n = total number of payments (years × 12).
Model the Full Deal Stack
An SBA loan is one layer in a deal structure. Use the AcquireCalc deal calculator to model how the SBA loan interacts with seller financing, asset-based funding, and earnouts — and see your true cash needed at closing.