SBA Loan Calculator
Last updated: July 2026
Estimate an SBA-style business loan payment, interest and upfront fees using editable assumptions.
Estimated monthly payment
—
- 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. Enter realistic assumptions and compare more than one scenario before making a financial, insurance or home-improvement decision.
Read the complete guide
What this calculator estimates
Estimate an SBA-style business loan payment, interest and upfront fees using editable assumptions. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
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.
Important limitations
SBA program eligibility, maximum rates, guarantee fees and lender charges can change and depend on loan type, size, maturity and borrower profile.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.