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.

USASBA 7(a) Small Business LoanBusiness

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.

Affari e Aziende Prestiti e Finanziamenti Finanza e Investimenti

Parametri di Input

In tempo reale

Requested SBA 7(a) Loan Amount ($)

$/mo

Selezione rapida:

SBA Loan Term Duration

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

6 %16 %

Risultato CalcolatoSBA 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

Dettaglio del Calcolo

Base SBA Loan

350,000 $/mo

SBA Guaranty Fee

7,000 $/mo

Total Financed

357,000 $/mo

Monthly Payment

5,121.91 $/mo

Metodologia di Calcolo

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.

Disclaimer Legale e Informativo

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

Questo calcolatore è progettato solo a scopo educativo e informativo. I risultati non costituiscono una consulenza finanziaria o legale vincolante.

Domande Frequenti

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

Parametri di Input

Dettaglio del Calcolo

Metodologia di Calcolo

Disclaimer Legale e Informativo

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