SBA 504 Loan Check Calculator

Estimate your monthly payments and compare rent vs ownership. This tool helps you see whether ownership is even in the same ballpark before talking to a lender

Enter the total cost for your project

Minimum size is $300,000 and maximum size is $12,500,000.

SBA 504 Loan Amortization Years

First Lender Amortization Years

First Lender Rate (% fixed)

10 Year Rate (%)

5.652%

20 Year Rate (%)

5.883%

25 Year Rate (%)

5.822%

First Lender (Bank) 50%

$—

SBA 504 Loan 40%

$—

Equity Injection 10%

$—

Total

$—

First Lender Rate (% fixed)

—

SBA 504 Loan Rate (% fixed)

—

Blended Rate

—

First Lender Amortization

—

SBA 504 Amortization

—

SBA Fees

$—

First Lender Monthly Payment

$—

SBA 504 Monthly Payment

$—

Total Monthly Payment

$—

First Lender Annual Payment

$—

SBA 504 Annual Payment

$—

Total Annual Payment

$—

The results of this tool are for exploratory purposes only. Not all properties or businesses qualify for a 40% 504 structure. Special-Use or start up businesses require an additional 5-10%. The SBA 504 rate is set at loan funding and is based on 10-year treasury plus a spread (typically 1.5-2%). SBA term is 10, 20 or 25 years, fully amortized. Fees are rolled into principal and rounded up. The SBA fees are 2.65% of the SBA 504 loan plus legal fees of $2,000 for SBA loan amounts under $300,000 and $3,000 for SBA loan amounts over $300,000.