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SBA 7(a) Loan Calculator
Estimate the monthly payment, total paid, and total interest on an SBA 7(a) business acquisition loan.
BizDealIQ provides educational estimates only — not financial, investment, tax, legal, or business-valuation advice. Multiples and outputs are rules of thumb, not appraisals. Always do your own due diligence and consult licensed professionals before making an offer or purchasing a business.
About SBA 7(a) acquisition loans
The SBA 7(a) program is the most common way to finance buying an existing small business in the U.S. The SBA guarantees a large portion of the loan, which lets banks lend to buyers who couldn't qualify for conventional financing. Typical buyers put down 10% and finance the rest over 10 years for a business-only acquisition.
Rates are usually variable and tied to the Prime Rate plus a spread, so model a rate a bit above today's Prime to stay conservative. Real-estate-heavy deals can amortize over up to 25 years, lowering the monthly payment. The payment math is the same standard amortization used by any fixed-rate loan.
Stacking SBA + a seller note?
Many of the best deals blend an SBA loan with a small seller note. Run the seller-financing calculator alongside this one.
Seller Financing Calculator