SBA 7(a) Loan Calculator

See what a business acquisition actually costs you — with real SBA rates.

Deal Inputs

Asking Price ($)

SDE / Cash Flow ($)

Down Payment: 10%

5%30%

Interest Rate Override (%)optional

Auto-calculated: Prime (6.75%) + SBA spread = 9.75%

Owner Salary Assumption ($)

Range: $40,000 - $120,000 typical

Includes Real Estate(10-year term)

Loan Term (years)auto: 10yr

Loan Summary

Showing example deal — edit the values on the left to analyze your own.

Down Payment$55,000 (10%)

Loan Amount$495,000 @ 9.75% / 10yr

Monthly P&I$6,473

Annual Debt Service$77,678

Listed SDE$210,000

Owner Salary Assumption-$60,000

After-Salary Cash Flow$150,000

DSCR1.93x

Healthy — above 1.25x

Owner Take-Home (Annual)$132,322

Owner Take-Home (Monthly)$11,027

Break-Even on Down Payment~10 months

Quick Sanity Check

Price / SDE Multiple

2.6x

Debt Service as % of SDE

37%

Rates: Prime (6.75%) + SBA spread by loan size. Spreads: $0-$50K: 6.50%, $50K-$250K: 6.00%, $250K-$350K: 4.50%, $350K+: 3.00%. Source: SBA.gov, Feb 2026.

This calculator is for educational purposes only. Actual loan terms depend on your lender, credit history, collateral, and SBA eligibility. Always work with a qualified SBA lender for real numbers.