$750K SBA Loan: Monthly Payment and Costs
At 9.75%, a $750,000 SBA 7(a) loan is about $9,808 a month over 10 years, the usual term for buying a business, or $6,684 a month over 25 years with real estate.
Monthly payment on $750,000
The estimate uses Prime (7.00%, as of September 17, 2026) plus 2.75%, which is where most SBA acquisition loans price. The SBA ceiling for a loan this size is Prime plus 3.00%, or 10.00% today (the maximum rate rules).
| Term | At 9.75% | At the 10.00% cap |
|---|---|---|
| 10 years | $9,808 | $9,911 |
| 25 years | $6,684 | $6,815 |
Ten years applies to a business purchase, working capital and most equipment; 25 years to real estate. A loan that mixes the two gets a blended term (SBA loan terms).
Upfront costs
| Cost | Amount |
|---|---|
| SBA guaranty fee (FY2027 standard) | $19,688 |
| Other closing costs (estimate) | $36,153 |
| Total | $55,840 |
Both are usually financed into the loan. The fee is set by SBA and applies to the guaranteed portion (how the guaranty fee works). The closing-cost figure is an estimate, not a quote, and real estate adds appraisal, environmental and title costs.
The cash flow a lender looks for
On the 10-year schedule the payments add up to $117,693 a year. Lenders commonly look for the business to earn at least 1.25 times its debt payments after the owner is paid, which here is about $147,117 a year of cash flow available for debt service.
If the loan buys a business, the SBA minimum down payment is 10% of the total project. A $750,000 loan at 90% of the project means a project of about $833,333 and $83,333 from you (the down payment rules).
Where the balance goes, year by year
| 10-year loan | Principal paid | Interest paid | Balance left |
|---|---|---|---|
| Year 1 | $46,615 | $71,078 | $703,385 |
| Year 2 | $51,368 | $66,325 | $652,017 |
| Year 3 | $56,607 | $61,086 | $595,410 |
| Year 4 | $62,379 | $55,314 | $533,030 |
| Year 5 | $68,741 | $48,952 | $464,290 |
| Year 6 | $75,751 | $41,942 | $388,539 |
| Year 7 | $83,476 | $34,218 | $305,063 |
| Year 8 | $91,988 | $25,705 | $213,075 |
| Year 9 | $101,369 | $16,324 | $111,706 |
| Year 10 | $111,706 | $5,987 | $0 |
Assumes the rate holds. Most SBA loans are variable and can adjust with Prime.
Questions
What is the monthly payment on a $750K SBA loan?
About $9,808 a month over 10 years at 9.75% (Prime 7.00% plus 2.75%), or $6,684 over 25 years. At the SBA maximum of 10.00% for this loan size, it is $9,911 over 10 years.
What does a $750K SBA loan cost upfront?
The FY2027 standard SBA guaranty fee is $19,688, and other closing costs are roughly $36,153 as an estimate. Both are usually financed into the loan.
How much income do I need for a $750K SBA loan?
The 10-year payments total about $117,693 a year. Lenders commonly look for 1.25 times that in cash flow available for debt service, about $147,117 a year.
Estimates for planning, not a loan offer. Rates use Prime of 7.00% as of September 17, 2026. Your lender sets your actual rate, fees and terms.
Straight from the SBA's rulebook
The SBA rules behind these numbers
- Can a broker or consultant charge a fee on an SBA loan?
- How much is the SBA guaranty fee?
- Is the SBA guaranty fee waived in 2027?
- What are the fees on an SBA 504 loan?
- What fees can a lender charge on an SBA loan?
- Who pays the SBA annual service fee?
- Can an SBA loan be assumed by a buyer?
- Can an SBA loan be increased after approval?