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SBA 504 Rates as Low as 6.5%
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🏦 SBA Program

SBA 7(a) Payment Calculator

Estimate monthly payments on an SBA 7(a) loan with Prime + spread variable rate. See how rate changes affect your payment and plan for different scenarios.

$5M
Max Loan Amount
Prime+
Variable Rate
25yr
Max Term (RE)
🏦

SBA 7(a) Payment Calculator

Variable rate with Prime + spread structure

$
Max $5M for SBA 7(a)
%
WSJ Prime Rate
%
Typically 1.5–2.75%
#
25yr RE, 10yr equipment, 7yr working capital
%
Varies by loan size (can be financed)
Monthly Payment at Current Rate
—
Total Rate
—
Prime + spread
Guarantee Fee
—
one-time, can be financed
Total Interest
—
over full term
Total Cost
—
principal + interest + fee

📉 Rate Sensitivity Analysis

If Prime drops 1%
Current rate (today)
If Prime rises 1%
If Prime rises 2%

Ready to apply for an SBA 7(a) loan?Our advisors specialize in SBA lending. Pre-assessment in 48 hours.

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Understanding SBA 7(a) Loans

The most versatile SBA program for small business owners.

How SBA 7(a) Rates Work

SBA 7(a) loans use a variable rate tied to the WSJ Prime Rate plus a spread. The spread depends on loan size and term: up to 2.75% for loans under $50K, 2.25% for $50K–$250K, and 1.5–2.25% for loans over $250K. Your rate adjusts quarterly as Prime changes.

7(a) vs 504: Key Differences

SBA 7(a) offers more flexibility — funds can be used for real estate, equipment, working capital, debt refinancing, and business acquisition. SBA 504 is limited to fixed assets but offers lower fixed rates and 90% LTV. For pure real estate purchases, 504 is usually better. For mixed-use funding, 7(a) wins.

Guarantee Fee Structure

SBA charges a one-time guarantee fee: 2% for loans $150K–$700K, 3% for $700K–$1M, and 3.5% for loans over $1M, with an additional 0.25% on the portion above $1M. The fee can be financed into the loan. Annual servicing fees of 0.55% also apply but are built into the rate.

Variable Rate Risk Management

Since SBA 7(a) rates float with Prime, your payment changes quarterly. Budget for rate increases of 1–2% above current levels. Some lenders offer rate caps or interest rate swaps on larger 7(a) loans. Our advisors model worst-case scenarios to ensure comfortable debt service coverage.

Frequently Asked Questions

Common questions about SBA 7(a) loans.

Flexible SBA Financing

Our SBA specialists help you choose between 7(a) and 504, negotiate the best spread, and prepare a lender-ready application package.

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CRE CALCULATORS

23 Professional-Grade Financial Tools

Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.

Loan Analysis

Investment Returns

Refinance & Costs

Lease & Valuation

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  1. 1
    48 hours to clarity. You'll know exactly where you stand — not wonder for months.
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JK
Jason Kim
Managing Director, Commercial Lending
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