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SBA Loan Calculator

Plan SBA 7(a) and 504 loan payments with term, rate, guarantee fee, and business-use assumptions.

Built for small-business owners planning financing scenarios.

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Planning information only. Not a loan offer, SBA approval, lender offer, eligibility decision, or financing advice.

What this will help you decide

7(a) and 504 programs need distinct assumptions.

Official SBA program notes frame the workflow.

Partner routing must not affect calculator outputs.

Inputs and assumptions this product uses

• Uses official SBA documentation as the source hierarchy input
• Separate 7(a) and 504 product assumptions
• Avoid approval-probability claims

What will not be included

• Planning information only. Not a loan offer, SBA approval, lender offer, eligibility decision, or financing advice.
• The browser does not run calculator math or own financial assumptions.
• No partner or commercial routing can change the product output.

Business borrowing calculator

Run an SBA loan planning scenario

Use official SBA program framing with user-entered rate, fee, down-payment, and term assumptions.

Loan amountRequested project or borrowing amount.SBA programProgram framing for the scenario.Interest rateAnnual rate assumption.Term yearsAmortization period.Guarantee feeUser-entered guarantee fee assumption.Down paymentUser-entered down-payment percentage.

Sources and effective dates

References are part of the product surface.

SBA 7(a) loans

Official 7(a) program uses, maximum loan amount, and eligibility framing.

Retrieved 2026-05-24

SBA 504 loans

Official 504 program purpose, maximum amount, and eligibility context.

Retrieved 2026-05-24

Launch status

This product is available now.

Live calculator backed by the PolicyWorkspace planning-tool API with official SBA source references. Live tools return source records, assumptions, warnings, effective dates, and generated timestamps from the backend planning-tool API.