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SBA Loan Calculator
SBA loan payments are calculated like other amortizing loans but with longer terms — up to 10 years for working capital and equipment and 25 years for real estate. A $500,000 SBA 7(a) loan at 10.5% over 10 years is roughly $6,750 per month (estimate).
Last updated October 23, 2026
Estimated results
- Monthly payment
- $6,747
- Total interest
- $309,610
- Total paid
- $809,610
Estimates for education only — not an offer. Actual terms are set by providers.
Get real offers with these numbersHow to use this calculator
- Enter loan amount
- Enter estimated rate
- Choose term
- Review payment
About SBA rates
SBA 7(a) rates are variable or fixed and capped at the Prime rate plus a maximum spread that depends on loan size. Enter a rate quoted by your lender for the best estimate.
Frequently asked questions
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Written by
BusinessFundingQuote Editorial Team
Small business finance writers
Reviewed by
Funding Review Desk
Reviewed for accuracy against current market practices
Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.