Free tool

SBA Loan Calculator — Long-Term Payment and Total Interest

Model an SBA 7(a) or 504 payment over 10 to 25 years, see total interest, and compare it against short-term financing on the same amount.

The point of this calculator is the last line. SBA money takes 30–45 days and pays you back for the wait many times over on a large amount. If the deal genuinely cannot wait, the right move is a bridge with no prepayment penalty and a refinance into the SBA loan — not abandoning the cheap money.

Which program? See SBA 7(a) vs 504.

Business Loan Calculator Cash Advance / Factor Rate Calculator How Much Can I Borrow?

SBA payment over a long term

Loan amount

Annual rate (%)

Term (years)

Compare against a short-term option (months)

Same amount, 1.25 factor rate — what waiting for SBA is worth.

No cost · No obligation

Now see what you actually qualify for

The calculator gives you the math. One application gives you real offers — free, no credit impact to check.

Get Pre-Qualified See funding options

Checking your options does not affect your business credit. A soft review only.