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Financial Calculators

SBA Loan Calculators

Run the numbers before you talk to a lender.

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FY25SBA tiers
Primary calculator

SBA 7(a) Possibility Calculator

An estimate to get you started.

Total available liquidity
$
Add up all accounts and savings you could use toward this purchase
Loan type

Cash flow check

Powers your DSCR estimate and loan sizing.

Last year's annual revenue
$
or projected if planning improvements
Last year's net operating income
$
or projected if planning improvements
Your Numbers
Your liquidity$500,000
Safe to use(70% of liquidity)$350,000
Estimated guaranty fee$80,325
Estimated closing costs$63,000
Estimated working capital reserve★ rough estimate$262,500
Maximum Business Price$3,094,175Total project cost $3,500,000
Estimated loan amount$3,150,000
Est. rate: 10.75%SBA max: Prime + 3%
Term: 10 yearsSBA 7(a) standard
See If You Qualify

Estimates only. Final terms depend on lender underwriting, credit, business cash flow, collateral and SBA SOP requirements. Guaranty fees reflect current FY2025 7(a) tiers and may change. ★ Working capital reserve is a rough estimate — actual needs vary significantly by business type.

Not a commitment to lend. SBA loan approval is subject to lender and SBA underwriting.© 2026 sbaloansHQ, Inc.
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