Estimate your SBA 7(a) or 504 monthly payment, including the one-time guaranty fee, then compare real offers from approved SBA lenders in one application.
SBA loans carry the lowest rates and the longest terms in commercial lending — but the payment depends on the loan amount, the term (up to 25 years on real estate), the rate, and a one-time SBA guaranty fee that scales with size. This calculator estimates all of it.
Adjust the amount, use of funds, and rate to see the monthly payment and guaranty fee. When you are ready for real numbers, EQ Funding routes your file to approved SBA lenders that compete for the deal.
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 real offers — side by side on APR, term, and payment.
One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.
SBA payments amortize like any term loan — principal and interest over the term — but SBA rates cap near prime + 2.75% and a one-time guaranty fee (roughly 0–3.75% of the guaranteed portion) applies at closing. This calculator estimates both.
A one-time fee the SBA charges on the guaranteed portion of the loan. It is waived on loans of $150K or less and rises with loan size — typically 3% to 3.75% on larger 7(a) loans. It is usually financed into the loan.
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 real 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. Real offers from 50 lenders within 24 hours.