SBA Loan Calculator
Last updated: October 15, 2026
Estimate an SBA-style business loan payment, interest and upfront fees using editable assumptions.
Estimated monthly payment
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- Total interest: —
- Estimated upfront fees: —
- Total financing cost: —
- Net proceeds after fees: —
On this page
Quick summary: Estimate an SBA-style business loan payment, interest and upfront fees using editable assumptions.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate an SBA-style business loan payment, interest and upfront fees using editable assumptions.
How to use it
Enter Loan amount ($); Annual interest rate (%); Loan term (years); Estimated guarantee fee (%); Other closing costs ($). Select Calculate to update the results.
How the calculation works
The payment uses fixed-rate amortization. Entered guarantee and closing fees are shown separately from interest so the financing cost can be compared with other offers.
Worked example: starting scenario
| Loan amount ($) | 250000 |
|---|---|
| Annual interest rate (%) | 10.5 |
| Loan term (years) | 10 |
| Estimated guarantee fee (%) | 2.77 |
| Other closing costs ($) | 3500 |
| Estimated monthly payment | $3,373.37 |
|---|---|
| Total interest | $154,804.99 |
| Estimated upfront fees | $10,425.00 |
| Total financing cost | $165,229.99 |
| Net proceeds after fees | $239,575.00 |
Important limitations
SBA program eligibility, maximum rates, guarantee fees and lender charges can change and depend on loan type, size, maturity and borrower profile.