SBA 7(a) Possibility Calculator
An estimate to get you started.
Cash flow check
Powers your DSCR estimate and loan sizing.
Estimates only. Final terms depend on lender underwriting, credit, business cash flow, collateral and SBA SOP requirements. Guaranty fees reflect current FY2026 7(a) tiers and may change. ★ Working capital reserve is a rough estimate. Actual needs vary significantly by business type.
SBA 7(a) Monthly Payment
What the payment looks like at a given amount, rate, and term.
Which term? SBA 7(a) maturities generally run up to 10 years for working capital, equipment, and business acquisitions, and up to 25 years for real estate. Per SOP 50 10 8, when a loan covers multiple purposes the term may be blended, or if 51% or more of the proceeds are for real estate the entire loan may be amortized over 25 years.
Max rate. SBA caps 7(a) variable rates at Prime + 6.5% (loans of $50k or less), + 6.0% ($50k to $250k), + 4.5% ($250k to $350k), and + 3.0% (over $350k). Shown using a Prime of 6.75% (September 2026); your actual cap moves with Prime. Estimates only, not a commitment to lend.
Partner lender deal scoring
Score every deal against real 7(a) market data: see approval probability, competitive positioning, and structuring guidance before you submit a single file.
SBA strategy worth reading
How to Buy a Business with No Money Down (The Real Answer)
True zero-down is gone, and from October 1 the SBA requires 5% of the injection to be yours no matter how the rest is structured. Here is what still gets you close, and what changes.
SBA's Size Standards Overhaul: What It Means If You Were Just Outside the Door
The SBA proposed expanding eligibility by over 110,000 firms. If you were told your business was too large for an SBA loan, that answer may be about to change.
SBA Express Loans: When Speed Is Worth the Tradeoff
SBA Express loans close faster and require less paperwork. They also cap out at $500,000 and carry higher rates. Here is exactly when that tradeoff makes sense and when it does not.