SBA Loan Payment Calculator
Estimate monthly payments, total interest, and total repayment for an SBA 7(a) loan using an APR and term you choose.
SBA 7(a) rates are lender-set within SBA maximums. Qualified-borrower pricing is commonly around 10–13% APR, while official variable ceilings depend on loan size and the current base rate.
Estimates assume a fully amortizing loan with equal monthly payments and no fees, prepayments, balloon payment, or payment deferral. This is not an approval or financing offer.
How to use this SBA loan calculator
Enter the amount you plan to finance, an estimated annual percentage rate, and the repayment term. The calculator uses the standard amortization formula to estimate an equal monthly payment, total interest, and total repayment.
What the estimate does not include
Origination, packaging, closing, appraisal, documentation, guarantee, and other lender or third-party fees are excluded. Actual offers may also use a different payment frequency, a variable rate, an interest-only period, or a balloon payment. Compare the written payment schedule and total cost—not just the headline rate.
From estimate to a real offer
A calculator models the financing structure; underwriting determines whether that structure is available. Bay Street packages one application for 50+ funding partners so qualified businesses can compare actual amounts, terms, and payments.