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SBA 7(a) loan calculator for commercial real estate

A payment from the rate you type, a guaranty percent you choose, and an upfront fee you enter from the current SBA notice.

Reviewed by Craig Hoebing, AZ Commercial Mortgage Banker CMB-1047342 · Updated October 2026

The note the borrower pays. Working capital and business-acquisition proceeds are a different request.

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Negotiated with the SBA lender, inside SBA's maximum for the rate type. Type the rate. This page does not suggest one.

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SBA's lender comparison, retrieved October 6, 2026, lists 25 years including extensions for real estate. Type the years you want to test.

Loans of $150,000 or less may receive a maximum guaranty of 85 percent. Loans of more than $150,000 may receive a maximum guaranty of 75 percent, except as otherwise authorized by law.

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Leave blank if you will type a percent instead. The annual service fee is the lender's cost and is not entered here.

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You type the percent from the current SBA Information Notice. This page does not insert one.

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Payment, guaranty, and fee

Enter a loan amount. Add a rate to see a payment.

The borrower pays the whole note. The guaranty is the share SBA stands behind for the lender. Adding the fee to the loan in the switch above does not change the guaranty percent. If the fee is financed, the SBA lender may treat the larger gross amount as the loan.

13 CFR 120.210, retrieved October 6, 2026. Loans of $150,000 or less may receive a maximum guaranty of 85 percent. Loans of more than $150,000 may receive a maximum guaranty of 75 percent, except as otherwise authorized by law. A blank field is not filled until you type a percent or use the button.

SBA, 7(a) terms, conditions, and eligibility, retrieved October 6, 2026. SBA says the lender pays an upfront guaranty fee and may pass it to the borrower, and pays an annual service fee that cannot be charged to the borrower. SBA publishes both amounts for each fiscal year in an Information Notice. This calculator does not insert either percentage. For a loan approved on or after October 1, 2026, use the Information Notice that covers fiscal year 2027. Fee waivers for a manufacturer, a rural business, or another category in that notice are not applied here.

SBA, lender program comparison, retrieved October 6, 2026. SBA's comparison table lists 7(a) loans up to $5 million, with a maturity of 25 years including extensions when the loan finances real estate. That cap is not a proceeds offer. The SBA lender applies the limit in effect for the file.

Real estate, not working capital

This page amortizes a real estate loan amount. A 7(a) loan can also include equipment, a business purchase, or working capital. Those uses change eligibility and sometimes the maturity. They are not added in the background. If the uses are the building the company occupies, and a bank first lien plus a CDC debenture might fit better, run the SBA 504 calculator and read 7(a) versus 504.

The arrangement page is Arizona SBA 7(a). Conventional owner-user debt without a guaranty is Arizona owner-occupied. A conventional payment from a rate you type, with no guaranty math, is the commercial loan rates and calculator.

SBA's terms page, retrieved October 6, 2026, says the lender pays the upfront fee and may pass it to the borrower, and pays an annual service fee that cannot be charged to the borrower. This calculator asks only for the upfront fee you enter. It does not apply a manufacturer, rural, or other waiver. Read the notice for the fiscal year of the approval before you treat a fee as final.

Questions

Who makes an SBA 7(a) loan?
An SBA lender makes the loan. SBA guarantees a portion of it. Capital Market Funds arranges the introduction and the comparison. It is not an SBA lender and it does not issue the guaranty.
Why does this page not fill in the guaranty fee?
SBA publishes the upfront guaranty fee for each fiscal year in an Information Notice, and the lender may pass that fee to the borrower. The annual service fee is the lender's cost and cannot be charged to the borrower. You type the upfront fee from the notice that covers the approval date. This page does not insert a percentage.
Is this calculator for a house?
No. It is for commercial real estate an operating company occupies, the owner-user case. It is not a consumer home loan, and it is not a landlord loan on a building leased to unrelated tenants.

Arizona SBA 7(a) · 7(a) versus 504 · Arizona SBA 504 · SBA 504 calculator · Arizona owner-occupied · Commercial loan rates and calculator · All tools