SBA Loan Calculator

The U.S. Small Business Administration (SBA) offers many great options beyond the well known PPP loan, including the 7(a), 504, and Micro loan programs. We're here with the highlights of each program to help you make the best decision for your business.
Loan Amount
Interest Rate
Factor Rate
Repayment Term
Repayment Term
Repayment Term
Est. Payment
Minimum payment:
Time to Payoff:
Interest paid:

SBA Loan Qualifications

Time in Business

< 1 year

Annual Revenue

< $100,000

Credit Score


Funding Amounts
No minimum to $500,000
Prime Rate* + 2.75% to 3.75%
10 - 30 years
Processing Time
15 to 45 days
How to Calculate Your SBA Loan?

How to Calculate Your SBA Loan?

The U.S. Small Business Administration (SBA) offers several debt products that are considered among the best financing options for small businesses.

Before applying for an SBA loan, utilize the Lendzero SBA loan calculator to see your monthly payments. Insert the information below:

  • Requested loan amount: You may borrow as much as $2M.
  • Interest rate: Rates for SBA loans provided by Lendzero’s partners begin at 3.00%. Depending upon the loan product, your interest rate could be variable or fixed. The SBA loan calculator will give you an estimate of the cost of your loan if the rate is fixed.
  • Repayment term: SBA loans have a wide range of repayment terms. The range can vary from five years to 30 years.

Use our SBA loan calculator to calculate the expenses of numerous types of SBA loans. For example, you can use our calculator as a:

  • SBA 7(a) loan calculator
  • SBA Express loan calculator
  • SBA Micro loan calculator
  • SBA 504 loan calculator
Components of SBA Loan Calculator

Components of SBA Loan Calculator

The SBA loan calculator will show you the monthly payment. This is the exact amount you’ll need to repay each month in both interest and principal. 

It should be straightforward to utilize our SBA loan calculator to compare all types of SBA debt. You’ll see a difference in loan amounts, interest rates and repayment terms.

To be clear, definitions are below.

  • Loan amount: This is the total amount of debt you will owe to the lender.
  • Interest rate: This is the proportion of the loan that is charged as interest to you. It is shown as an annual percent of the outstanding debt.
  • Repayment term: This is the amount of time the debt will be outstanding. The loan may be fully amortized or partially amortized in which case there will be a balloon payment at the end of the repayment term.
What to watch out for

What to watch out for

Lenders have different types of fees and there are many factors they consider when it comes to determining the size of their fee for each loan. 

For example, some may require a fee be paid based on the length of the repayment term. Other  providers might charge one flat fee based on the interest rate. Finally, some might charge a fee based on a percent of the total loan amount.

In particular for SBA loans, lenders tend to pass on SBA guaranty fees to borrowers, except for veterans. These fees need to be paid upfront and the amount depends on the loan amount, loan type and term. 

In addition, if you default or miss a payment, there will be an extra fee. 

Lastly, some lenders may charge a maintenance fee if you have a credit line that is inactive.

More Choices