SBA loan payment calculator
Enter a loan amount and term. The rate fills in with today's SBA maximum for that size, and you can type a lender's quote over it.
SBA maximum rate
Monthly payment
Total interest
SBA terms: up to 10 years for working capital and equipment, and up to 25 years for real estate. The estimate leaves out the SBA guaranty fee and assumes a variable rate stays where it is today.
Typical payments at today's maximum rates
| Loan | Term | Max variable rate | Monthly payment |
|---|---|---|---|
| $50,000 | 7 years | 13.50% | $923 |
| $150,000 | 10 years | 13.00% | $2,240 |
| $350,000 | 10 years | 11.50% | $4,921 |
| $750,000 | 10 years | 10.00% | $9,911 |
| $1,500,000 | 25 years | 10.00% | $13,631 |
| $5,000,000 | 25 years | 10.00% | $45,435 |
Sources: SBA 7(a) terms, conditions and maximum variable rates; Federal Reserve H.15 selected interest rates (bank prime loan rate); October 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.