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.

EUASBA 7(a) Small Business LoanNegócios

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.

Negócios e Empresas Empréstimos e Financiamento Finanças e Investimento

Dados de Entrada

Em tempo real

Requested SBA 7(a) Loan Amount ($)

$/mo

Seleção 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

Detalhamento do Cálculo

Base SBA Loan

350,000 $/mo

SBA Guaranty Fee

7,000 $/mo

Total Financed

357,000 $/mo

Monthly Payment

5,121.91 $/mo

Metodologia 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 Educacional

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

Esta calculadora destina-se a fins educacionais e informativos. Os resultados não constituem consultoria financeira ou jurídica vinculativa.

Perguntas Frequentes

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

Dados de Entrada

Detalhamento do Cálculo

Metodologia de Cálculo

Aviso Legal e Educacional

Perguntas Frequentes

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