SBA Loan Calculator

Estimate payments for an SBA 7(a)-style loan and apply a user-entered effective guaranty-fee percentage to the total loan amount.

Quick answer: Estimate an SBA 7(a)-style payment and apply a user-entered effective guaranty-fee percentage to the total loan. Enter Loan Amount, Interest Rate, Loan Term (Years), and Effective Guaranty Fee (% of Total Loan) to personalize the estimate. It returns Monthly Payment, SBA Guarantee Fee Amount, and Total Interest Over the Term so you can compare the impact before choosing a next step. Use it to compare payment, APR, total cost, credit impact, and lender or card tradeoffs.

Monthly Payment

$3,515

Monthly Payment

$3,515

SBA Guarantee Fee Amount

$8,750

Total Interest Over the Term

$171,786

Diagnostic

This SBA loan carries a monthly payment of about $3,515, plus a one-time guarantee fee of about $8,750.

Total interest over the 10-year term comes to about $171,786.

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What to do next

Compare business loan rates ->

Your action plan

1
Calculate the baseline result with your current numbers
Estimate an SBA 7(a)-style payment and apply a user-entered effective guaranty-fee percentage to the total loan.
2
Pressure-test one alternate scenario before deciding
Assumptions change the answer, especially when rates, taxes, or timing matter.
3
Save the result to Money Map or use the linked next action
Turn the result into a prioritized action instead of treating it as a one-off number.

Compare business loan rates

This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

Calculator action path

Turn this result into a decision

Every SwitchWize calculator connects to a product comparison, rate context, guidance, alerts, and Money Map.

Rate authority hub

Compare

You could gain ~$3,515/yr — compare nowMove from calculation to current product options.

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Guide

Home Equity Loan vs Personal Loan for Debt Consolidation inHome equity loan vs personal loan for debt consolidation compared on rate, risk, and how much you can borrow. See which fits your payoff amount.

Money Map

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Alert

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Reviewed Aug 8, 2026 · Methodology

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Frequently Asked Questions

Everything you need to know.

What does the SBA Loan Calculator show?

Estimate payments for an SBA 7(a)-style loan and apply a user-entered effective guaranty-fee percentage to the total loan amount.

How should I use the result?

Use the result as a planning and comparison aid. Review the assumptions, adjust your inputs, and compare the output with your actual options before acting.

What should I do after using this calculator?

Use the related links and next-action modules on the page to compare products, continue in Money Map, or review related guidance on SwitchWize.

Is the SBA Loan Calculator free to use?

Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.

Does using the SBA Loan Calculator affect my credit score?

No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.

Are the results personalized financial advice?

No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.

What should I do after seeing the result?

Use the recommendation module on this page to compare business loan rates ->, or run Money Map to compare this loans & credit decision with your other opportunities.

How does SwitchWize choose related offers?

Related offers are matched by the calculator surface (loans) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.

How fresh are the rates and offers shown?

Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.

Where can I see the ranking methodology?

The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.

Can Money Map use this result?

Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.