SBA loan calculator
Estimate payments on an SBA-backed loan and see how a guarantee or packaging fee changes the picture, whether you pay it up front or roll it into the loan.
Program
7(a) loans are commonly used for working capital, equipment, and real estate. Working-capital terms often run up to 10 years, and real estate terms up to 25 years. Rates and guarantee fees vary by loan and lender, so confirm current figures with your provider.
Estimated monthly payment · SBA 7(a)
$5,019.26
- Fee treatment
- Financed into the loan
- Amount financed
- $357,000.00
- Total interest
- $245,310.88
- Guarantee / packaging fee
- $7,000.00
- Amount you receive
- $350,000.00
- Effective APR with fee
- 11.99%
- Total cost of capital
- $252,310.88
- Total cash repaid
- $602,310.88
Cost breakdown
- Principal $350,000
- Interest $245,311
- Fees $7,000
Free to check. No obligation. We'll pre-select $250,000 to $500,000.
These figures are estimates for education only. Not an offer of credit. These estimates are not a quote or a commitment. Actual payments, rates, and fees depend on the provider, underwriting, and the official loan terms. Flokapital is a funding brokerage, not a lender.
Payment schedule (selected months). showhide
| month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $5,019.26 | $1,598.01 | $3,421.25 | $355,401.99 |
| 2 | $5,019.26 | $1,613.32 | $3,405.94 | $353,788.67 |
| 3 | $5,019.26 | $1,628.78 | $3,390.47 | $352,159.89 |
| 4 | $5,019.26 | $1,644.39 | $3,374.87 | $350,515.50 |
| 5 | $5,019.26 | $1,660.15 | $3,359.11 | $348,855.35 |
| 6 | $5,019.26 | $1,676.06 | $3,343.20 | $347,179.29 |
| 7 | $5,019.26 | $1,692.12 | $3,327.13 | $345,487.16 |
| 8 | $5,019.26 | $1,708.34 | $3,310.92 | $343,778.82 |
| 9 | $5,019.26 | $1,724.71 | $3,294.55 | $342,054.11 |
| 10 | $5,019.26 | $1,741.24 | $3,278.02 | $340,312.88 |
| 11 | $5,019.26 | $1,757.93 | $3,261.33 | $338,554.95 |
| 12 | $5,019.26 | $1,774.77 | $3,244.48 | $336,780.18 |
| 24 | $5,019.26 | $1,989.98 | $3,029.28 | $314,108.51 |
| 36 | $5,019.26 | $2,231.28 | $2,787.97 | $288,687.70 |
| 48 | $5,019.26 | $2,501.85 | $2,517.41 | $260,184.37 |
| 60 | $5,019.26 | $2,805.22 | $2,214.04 | $228,224.75 |
| 72 | $5,019.26 | $3,145.38 | $1,873.88 | $192,389.73 |
| 84 | $5,019.26 | $3,526.79 | $1,492.47 | $152,209.38 |
| 96 | $5,019.26 | $3,954.44 | $1,064.82 | $107,156.78 |
| 108 | $5,019.26 | $4,433.95 | $585.30 | $56,641.14 |
| 120 | $5,019.26 | $4,971.61 | $47.64 | $0.00 |
How to use this calculator
- 1Choose the program that matches your purpose.
- 2Enter the amount and a term that fits the purpose. Real estate may suit a longer term than working capital.
- 3Decide whether to finance the fee. Financing it keeps cash in hand today but adds interest over time.