Estimate an SBA loan payment from the amount, term, and expected annual rate, then verify program fees separately and compare offers from participating SBA lenders.
This tool estimates amortized principal and interest from the amount, maturity, and annual rate you enter. A 504 transaction can combine a bank first mortgage with a CDC-backed second mortgage, so its actual blended payment may differ from a single-loan estimate.
SBA fee schedules can change by fiscal year and a 7(a) guaranty-fee calculation can depend on the loan type and related approvals. Program fees, appraisals, legal work, and other closing costs are excluded; verify them with the current SBA fee notice, official calculator, and lender worksheet.
Six questions. No documents required to start. No effect on your credit score.
Review the 8–12 lenders matched to your profile and choose who to apply to. Your file goes only to the lenders you select.
We negotiate the best terms with each lender you selected and send you their firm offers — side by side on APR, term, and payment.
One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.
This calculator amortizes the amount entered over the selected term at the annual rate entered. It estimates principal and interest only. A lender quote can differ, especially for a 504 structure with separate bank and CDC portions.
It is an upfront fee calculated on the guaranteed portion of a 7(a) loan. SBA publishes the applicable fee schedule for each fiscal year and may add program-specific relief, so confirm the current notice or official SBA fee calculator before closing.
No. The sba loan calculator runs entirely in your browser — nothing is submitted and there is no credit check. When you are ready to compare firm offers, EQ Funding pre-qualifies you with a soft pull that has no effect on your score; a hard inquiry only happens if you accept a specific lender's offer.
An estimate uses typical lender criteria and rate bands. Real offers are priced by individual lenders against your actual revenue, time in business, credit, and industry, so they can come in better or worse than the sba loan calculator shows. The point of the estimate is to set expectations before you apply — the real numbers come from comparing actual offers.
Apply once. One 2-minute application puts your file in front of 50 lenders that compete to fund it, with real, side-by-side offers back in about 24 hours and no obligation to accept any of them. You only move forward if an offer actually works for you.
Completely free, with no signup. EQ Funding is also free to you if you apply — lenders pay a fee when your deal closes, never you.
Six questions. Two minutes. No effect on your credit score. Firm offers from 50 lenders within 24 hours.