Interactive Tool
Down Payment Calculator
Estimate how much cash you need upfront (your “equity injection”) for an SBA loan based on program type, loan purpose, and total project cost.
Deal Details
$1,000,000
SBA 7(a) Loan Structure
Your Equity
SBA 7(a) Loan
Your Down Payment
$200,000
20%
SBA 7(a) Loan
$800,000
80%
Total Project Cost
$1,000,000
Business acquisitions typically require 20% equity injection to cover the goodwill component of the purchase price.
Compare lenders for your deal
See which lenders specialize in your loan size and purpose — based on real SBA lending data.
Search Lenders →This calculator provides estimates based on standard SBA program guidelines. Actual equity injection requirements vary by lender, deal complexity, and borrower qualifications. Startups, special-use properties, and change-of-ownership transactions may require higher equity percentages. Contact lenders directly for specific requirements.