SBA Loan Calculator

Estimate your SBA loan payments. For planning only—actual terms vary by lender.

Loan Amount ($)

Interest Rate (APR %)

Term (years)

Origination/Other Fees ($)

Finance fees into the loan

Down Payment (%)

Annual Net Operating Income ($)

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DSCR = NOI ÷ Annual Debt Service (≥ 1.15–1.25 is often targeted)

SBA terms vary: up to 10 years (working capital/equipment), up to 25 years (real estate). Confirm with your lender.