What are standard SBA 7(a) loan terms and interest rates?

Loan terms are up to 10 years for working capital/equipment and up to 25 years for real estate, with interest rates tied to Prime Rate plus lender spread.

What is the maximum loan amount under the SBA 7(a) program?

The maximum loan amount under the standard SBA 7(a) loan program is $5,000,000, guaranteed up to 75% by the US Small Business Administration.

EE. UU.SBA 7(a) Small Business LoanNegocios

US Small Business Administration (SBA 7a) Loan Payment & Guaranty Fee Calculator

Calculate monthly loan payments, SBA guaranty fees (2% to 3.75% financed into loan balance), and variable interest rates (WSJ Prime Rate + SBA allowable spread) for business acquisition, equipment, and working capital.

Negocios y Empresas Préstamos y Financiación Finanzas e Inversión

Datos y Parámetros

En tiempo real

Requested SBA 7(a) Loan Amount ($)

$/mo

Selección rápida:

SBA Loan Term Duration

Interest Rate APR (% WSJ Prime + Spread)10.5 %

6 %16 %

Resultado CalculadoSBA 7(a) Small Business Loan

Estimated Monthly SBA 7(a) Loan Payment

5,121.91$/mo

Total Financed Loan (Principal + Financed SBA Guaranty Fee)

357,000 $/mo

Total Lifetime Interest Paid Over Loan Term

257,629.2 $/mo

Desglose Detallado del Cálculo

Base SBA Loan

350,000 $/mo

SBA Guaranty Fee

7,000 $/mo

Total Financed

357,000 $/mo

Monthly Payment

5,121.91 $/mo

Metodología de Cálculo

SBA Guaranty Portion = Loan Amount * 75%. Guaranty Fee = SBA Guaranty Portion * Tiered Fee% (e.g. 3.0% for loans $700k+). Total Financed Loan = Base Loan + SBA Fee. Monthly Payment = Amortized standard loan payment.

Aviso Legal e Informativo

SBA 7(a) loans feature 10-year terms for working capital and equipment, and up to 25 years for commercial real estate.

Esta calculadora es para fines educativos e informativos. Los resultados no constituyen asesoramiento financiero, fiscal o legal vinculante.

Preguntas Frecuentes

SBA 7(a) loans can be used for working capital, business acquisition, commercial real estate, refinancing debt, and purchasing machinery and equipment.

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EE. UU.

US Small Business Administration (SBA 7a) Loan Payment & Guaranty Fee Calculator

Datos y Parámetros

Desglose Detallado del Cálculo

Metodología de Cálculo

Aviso Legal e Informativo

Preguntas Frecuentes

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