🏦 10-25 Year Term, Prime + Spread, SBA Guarantee Fee & DSCR Test

SBA 7(a) Loan Amortization & DSCR Qualifier Calculator

Calculate monthly principal and interest payments on SBA 7(a) business acquisition, working capital, or commercial real estate loans, incorporate SBA upfront guarantee fees (2.75% to 3.75%), and verify Debt Service Coverage Ratio (DSCR > 1.25x).

1. Project & Operating Inputs

Total SBA 7(a) Loan Amount ($)

Annual Interest Rate (% - Prime + Spread)

Loan Amortization Term (Years)

Business Annual Net Operating Income ($ / Yr)

2. Financial Breakdown & Yield

SBA 7(a) AMORTIZATION & DSCR QUALIFIER

Annual Total Debt Service

Calculated DSCR Ratio

0.0%

Gross Revenue / Bill

Total Project CapEx

Operating / Material Cost