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.

アメリカSBA 7(a) Small Business Loanビジネス

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.

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入力パラメータ

リアルタイム自動計算

Requested SBA 7(a) Loan Amount ($)

$/mo

クイック選択:

SBA Loan Term Duration

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

6 %16 %

計算結果SBA 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

詳細な計算内訳

Base SBA Loan

350,000 $/mo

SBA Guaranty Fee

7,000 $/mo

Total Financed

357,000 $/mo

Monthly Payment

5,121.91 $/mo

計算方法と根拠

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.

法的免責事項および案内

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

本計算機は教育および参考目的のみに提供されています。表示される結果は法的または拘束力のある助言を構成するものではありません。

よくある質問 (FAQ)

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

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

入力パラメータ

詳細な計算内訳

計算方法と根拠

法的免責事項および案内

よくある質問 (FAQ)

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