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SBA Loan Calculators

Run the numbers before you talk to a lender. All calculators use real SBA program rules and current market rates.

Spread Calculator

The one most people start with. Estimate your monthly payment based on Prime Rate + spread for SBA 7(a) and 504 loans.

See how your loan stacks up against real SBA lending data.

Enter your lender, loan size, and rate to see how you compare to the segment median. See comparable loans from real borrowers.

Figure out what your loan will cost, how much you can borrow, and whether your numbers meet SBA requirements.

How much SBA loan can your business support? Enter your revenue and cash flow to find out.

Calculate your Debt Service Coverage Ratio to see if your business cash flow qualifies for an SBA loan.

Estimate the equity injection required for your SBA 7(a) or 504 loan based on deal type and loan amount.

See the full picture — where every dollar goes from closing to payoff.

See exactly where every dollar goes in an SBA 7(a) loan — fees, secondary market sale, payment breakdown by counterparty, and payoff.

Find the right SBA lender

See which lenders match your numbers — search by state, loan size, and program.