Free tool
SBA Loan Payment Calculator
See what an acquisition loan actually costs each month. The business has to cover this number before it pays you anything.
SBA 7(a) loans for business acquisitions typically run up to 10 years (25 with real estate) at variable rates a few points above prime.
Estimated monthly payment
$10,795
- Total interest
- $495,376
- Total repaid
- $1,295,376
Rule of thumb: lenders want the business's cash flow to cover this payment at least 1.25 times. Test the full deal in the deal analyzer.
Estimates only, not a loan offer. Actual SBA rates and terms depend on the lender and your deal. Read the SBA loan walkthrough for how these loans really work.
Know your payment. Now cut your down payment.
The 5% Down Financing Kit shows how to structure an SBA deal with as little as 5% of your own cash, with the planner, DSCR calculator and lender checklist.