SBA 7(a) Possibility Calculator
An estimate to get you started.
Cash flow check
Powers your DSCR estimate and loan sizing.
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.
SBA 7(a) Monthly Payment
What the payment looks like at a given amount, rate, and term.
Which term? SBA 7(a) maturities generally run up to 10 years for working capital, equipment, and business acquisitions, and up to 25 years for real estate. Per SOP 50 10 8, when a loan covers multiple purposes the term may be blended, or if 51% or more of the proceeds are for real estate the entire loan may be amortized over 25 years.
Max rate. SBA caps 7(a) variable rates at Prime + 6.5% (loans of $50k or less), + 6.0% ($50k to $250k), + 4.5% ($250k to $350k), and + 3.0% (over $350k). Shown using a Prime of 6.75% (June 2026); your actual cap moves with Prime. Estimates only, not a commitment to lend.
Partner lender deal scoring
Score every deal against real 7(a) market data — see approval probability, competitive positioning, and structuring guidance before you submit a single file.
SBA strategy worth reading
SBA Pre-Approval Letter: What It Is and Do You Need One
Sellers and brokers love asking for a pre-approval letter. Most borrowers have no idea what that actually means in the SBA world. Here is the honest answer.
How Long Does an SBA Loan Take? Real Timelines, Not Marketing Copy
Every lender website says 30 to 90 days. The real answer depends on loan type, lender choice, and how prepared you are when you submit. Here is what actually drives the timeline.
DSCR Explained in Plain English
Every SBA lender runs a DSCR calculation on your deal before they say yes or no. Most borrowers have no idea what that number is or how it is built. Here is exactly how it works.