Up to $5,000,000 for 7(a)
Check the current prime rate
SBA caps: 3% to 6.5% depending on size and term
10 years working capital, up to 25 years real estate
All in rate
0%
Monthly payment$0
Total interest$0
SBA guarantee fee (estimate)$0
Total repaid$0

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How does SBA pricing work?

The lender sets the rate as prime plus a spread, and the SBA caps the spread by loan size and term. Rates are usually variable and adjust with prime. The SBA also charges a guarantee fee on the guaranteed portion of larger loans, which lenders typically finance into the loan. Read SBA 7(a) loans for the full picture, and compare with SBA 504 for real estate and equipment.

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How is the guarantee fee estimated here?

The estimate applies a typical fee percentage to the guaranteed portion (75% on loans over $150,000) and assumes no fee on smaller loans, which matches the SBA's recent fee schedule. The SBA updates fees each fiscal year, so treat this as an estimate and confirm with your lender.

Estimates only. Your lender's offer sets the actual rate, fees and terms.

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