SBA 7(a) Loan
Calculator
Estimate your monthly payments, SBA guarantee fees, and amortization schedule based on the current FY2026 SBA fee structure.
Range: $350,000 - $5,000,000
Borrower's cash contribution toward the project
SBA 7(a) rates: WSJ Prime + 1.25% to 3.00%
SBA Guarantee
75%
75% for loans over $150,000
Estimated Monthly Payment
$6,469.88
Based on 9.50% rate
SBA Upfront Guarantee Fee
$11,250
3.00% of 75% guaranteed portion
Loan Summary
Loan Amount
$500,000
Guaranteed Portion
75% of loan amount
$375,000
SBA Upfront Guarantee Fee
3.00% of guaranteed portion
$11,250
Interest Rate
WSJ Prime (6.75%) + 2.75%
9.50%
Disclaimer: This calculator provides estimates only for educational purposes. Actual loan terms, rates, fees, and approval are determined by SBA-approved lenders. The SBA guarantee fee is based on the FY2026 fee schedule (Oct 1, 2025 - Sep 30, 2026). The WSJ Prime Rate shown reflects recent published rates and may change. AI Loan Advisors is not a lender.
Quick DSCR Check
Enter your business financials to see if your cash flow can support the loan. Lenders typically require a DSCR of 1.15x or higher.
Your Business Financials (Annual)
From your tax return or P&L (bottom line)
Non-cash expense added back
Non-cash expense added back
Current interest on existing debt
Owner salary above market, one-time expenses, etc.
Debt Service Coverage Ratio
Enter your financials to see your DSCR
Start with Net Income on the left
Yearly Amortization Schedule
Track how your payments are split between principal and interest over the life of your loan.
| Year | Annual Payment | Principal | Interest | Balance |
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Ready to Move Forward?
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