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| Loan | Mortgage | Car | Commercial | Student | Biweekly | Extra Payments | Payoff | Excel |
SBA Loan Calculator
SBA Loan Calculator is a tool to calculate the monthly payments for any SBA business loans. The SBA loan amortization schedule shows the interest and principal payments of each month.
SBA Loan Calculator |
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Mortgage Amount: |
$50,000.00 | |||||
Monthly Payment: |
$611.93 | |||||
Total # Of Payments: |
120 | |||||
Start Date: |
Nov, 2025 | |||||
Payoff Date: |
Oct, 2035 | |||||
Total Interest Paid: |
$23,432.19 | |||||
Total Payment: |
$73,432.19 | |||||
SBA Loan Amortization Schedule |
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| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Nov, 2025 | 1 | $341.67 | $270.27 | $611.93 | $49,729.73 | |
| Dec, 2025 | 2 | $339.82 | $272.12 | $611.93 | $49,457.62 | |
| Jan, 2026 | 3 | $337.96 | $273.97 | $611.93 | $49,183.64 | |
| Feb, 2026 | 4 | $336.09 | $275.85 | $611.93 | $48,907.80 | |
| Mar, 2026 | 5 | $334.20 | $277.73 | $611.93 | $48,630.06 | |
| Apr, 2026 | 6 | $332.31 | $279.63 | $611.93 | $48,350.43 | |
| May, 2026 | 7 | $330.39 | $281.54 | $611.93 | $48,068.89 | |
| Jun, 2026 | 8 | $328.47 | $283.46 | $611.93 | $47,785.43 | |
| Jul, 2026 | 9 | $326.53 | $285.40 | $611.93 | $47,500.03 | |
| Aug, 2026 | 10 | $324.58 | $287.35 | $611.93 | $47,212.68 | |
| Sep, 2026 | 11 | $322.62 | $289.31 | $611.93 | $46,923.36 | |
| Oct, 2026 | 12 | $320.64 | $291.29 | $611.93 | $46,632.07 | |
| Nov, 2026 | 13 | $318.65 | $293.28 | $611.93 | $46,338.79 | |
| Dec, 2026 | 14 | $316.65 | $295.29 | $611.93 | $46,043.50 | |
| Jan, 2027 | 15 | $314.63 | $297.30 | $611.93 | $45,746.20 | |
| Feb, 2027 | 16 | $312.60 | $299.34 | $611.93 | $45,446.86 | |
| Mar, 2027 | 17 | $310.55 | $301.38 | $611.93 | $45,145.48 | |
| Apr, 2027 | 18 | $308.49 | $303.44 | $611.93 | $44,842.04 | |
| May, 2027 | 19 | $306.42 | $305.51 | $611.93 | $44,536.53 | |
| Jun, 2027 | 20 | $304.33 | $307.60 | $611.93 | $44,228.92 | |
| Jul, 2027 | 21 | $302.23 | $309.70 | $611.93 | $43,919.22 | |
| Aug, 2027 | 22 | $300.11 | $311.82 | $611.93 | $43,607.40 | |
| Sep, 2027 | 23 | $297.98 | $313.95 | $611.93 | $43,293.45 | |
| Oct, 2027 | 24 | $295.84 | $316.10 | $611.93 | $42,977.35 | |
| Nov, 2027 | 25 | $293.68 | $318.26 | $611.93 | $42,659.10 | |
| Dec, 2027 | 26 | $291.50 | $320.43 | $611.93 | $42,338.66 | |
| Jan, 2028 | 27 | $289.31 | $322.62 | $611.93 | $42,016.04 | |
| Feb, 2028 | 28 | $287.11 | $324.83 | $611.93 | $41,691.22 | |
| Mar, 2028 | 29 | $284.89 | $327.04 | $611.93 | $41,364.17 | |
| Apr, 2028 | 30 | $282.66 | $329.28 | $611.93 | $41,034.89 | |
| May, 2028 | 31 | $280.41 | $331.53 | $611.93 | $40,703.36 | |
| Jun, 2028 | 32 | $278.14 | $333.80 | $611.93 | $40,369.57 | |
| Jul, 2028 | 33 | $275.86 | $336.08 | $611.93 | $40,033.49 | |
| Aug, 2028 | 34 | $273.56 | $338.37 | $611.93 | $39,695.12 | |
| Sep, 2028 | 35 | $271.25 | $340.68 | $611.93 | $39,354.44 | |
| Oct, 2028 | 36 | $268.92 | $343.01 | $611.93 | $39,011.42 | |
| Nov, 2028 | 37 | $266.58 | $345.36 | $611.93 | $38,666.07 | |
| Dec, 2028 | 38 | $264.22 | $347.72 | $611.93 | $38,318.35 | |
| Jan, 2029 | 39 | $261.84 | $350.09 | $611.93 | $37,968.26 | |
| Feb, 2029 | 40 | $259.45 | $352.49 | $611.93 | $37,615.77 | |
| Mar, 2029 | 41 | $257.04 | $354.89 | $611.93 | $37,260.88 | |
| Apr, 2029 | 42 | $254.62 | $357.32 | $611.93 | $36,903.56 | |
| May, 2029 | 43 | $252.17 | $359.76 | $611.93 | $36,543.80 | |
| Jun, 2029 | 44 | $249.72 | $362.22 | $611.93 | $36,181.58 | |
| Jul, 2029 | 45 | $247.24 | $364.69 | $611.93 | $35,816.89 | |
| Aug, 2029 | 46 | $244.75 | $367.19 | $611.93 | $35,449.70 | |
| Sep, 2029 | 47 | $242.24 | $369.70 | $611.93 | $35,080.00 | |
| Oct, 2029 | 48 | $239.71 | $372.22 | $611.93 | $34,707.78 | |
| Nov, 2029 | 49 | $237.17 | $374.77 | $611.93 | $34,333.02 | |
| Dec, 2029 | 50 | $234.61 | $377.33 | $611.93 | $33,955.69 | |
| Jan, 2030 | 51 | $232.03 | $379.90 | $611.93 | $33,575.79 | |
| Feb, 2030 | 52 | $229.43 | $382.50 | $611.93 | $33,193.29 | |
| Mar, 2030 | 53 | $226.82 | $385.11 | $611.93 | $32,808.17 | |
| Apr, 2030 | 54 | $224.19 | $387.75 | $611.93 | $32,420.43 | |
| May, 2030 | 55 | $221.54 | $390.40 | $611.93 | $32,030.03 | |
| Jun, 2030 | 56 | $218.87 | $393.06 | $611.93 | $31,636.97 | |
| Jul, 2030 | 57 | $216.19 | $395.75 | $611.93 | $31,241.22 | |
| Aug, 2030 | 58 | $213.48 | $398.45 | $611.93 | $30,842.77 | |
| Sep, 2030 | 59 | $210.76 | $401.18 | $611.93 | $30,441.59 | |
| Oct, 2030 | 60 | $208.02 | $403.92 | $611.93 | $30,037.67 | |
| Nov, 2030 | 61 | $205.26 | $406.68 | $611.93 | $29,631.00 | |
| Dec, 2030 | 62 | $202.48 | $409.46 | $611.93 | $29,221.54 | |
| Jan, 2031 | 63 | $199.68 | $412.25 | $611.93 | $28,809.28 | |
| Feb, 2031 | 64 | $196.86 | $415.07 | $611.93 | $28,394.21 | |
| Mar, 2031 | 65 | $194.03 | $417.91 | $611.93 | $27,976.31 | |
| Apr, 2031 | 66 | $191.17 | $420.76 | $611.93 | $27,555.54 | |
| May, 2031 | 67 | $188.30 | $423.64 | $611.93 | $27,131.90 | |
| Jun, 2031 | 68 | $185.40 | $426.53 | $611.93 | $26,705.37 | |
| Jul, 2031 | 69 | $182.49 | $429.45 | $611.93 | $26,275.92 | |
| Aug, 2031 | 70 | $179.55 | $432.38 | $611.93 | $25,843.54 | |
| Sep, 2031 | 71 | $176.60 | $435.34 | $611.93 | $25,408.20 | |
| Oct, 2031 | 72 | $173.62 | $438.31 | $611.93 | $24,969.89 | |
| Nov, 2031 | 73 | $170.63 | $441.31 | $611.93 | $24,528.58 | |
| Dec, 2031 | 74 | $167.61 | $444.32 | $611.93 | $24,084.26 | |
| Jan, 2032 | 75 | $164.58 | $447.36 | $611.93 | $23,636.90 | |
| Feb, 2032 | 76 | $161.52 | $450.42 | $611.93 | $23,186.48 | |
| Mar, 2032 | 77 | $158.44 | $453.49 | $611.93 | $22,732.99 | |
| Apr, 2032 | 78 | $155.34 | $456.59 | $611.93 | $22,276.40 | |
| May, 2032 | 79 | $152.22 | $459.71 | $611.93 | $21,816.68 | |
| Jun, 2032 | 80 | $149.08 | $462.85 | $611.93 | $21,353.83 | |
| Jul, 2032 | 81 | $145.92 | $466.02 | $611.93 | $20,887.81 | |
| Aug, 2032 | 82 | $142.73 | $469.20 | $611.93 | $20,418.61 | |
| Sep, 2032 | 83 | $139.53 | $472.41 | $611.93 | $19,946.20 | |
| Oct, 2032 | 84 | $136.30 | $475.64 | $611.93 | $19,470.57 | |
| Nov, 2032 | 85 | $133.05 | $478.89 | $611.93 | $18,991.68 | |
| Dec, 2032 | 86 | $129.78 | $482.16 | $611.93 | $18,509.52 | |
| Jan, 2033 | 87 | $126.48 | $485.45 | $611.93 | $18,024.07 | |
| Feb, 2033 | 88 | $123.16 | $488.77 | $611.93 | $17,535.30 | |
| Mar, 2033 | 89 | $119.82 | $492.11 | $611.93 | $17,043.19 | |
| Apr, 2033 | 90 | $116.46 | $495.47 | $611.93 | $16,547.72 | |
| May, 2033 | 91 | $113.08 | $498.86 | $611.93 | $16,048.86 | |
| Jun, 2033 | 92 | $109.67 | $502.27 | $611.93 | $15,546.59 | |
| Jul, 2033 | 93 | $106.24 | $505.70 | $611.93 | $15,040.89 | |
| Aug, 2033 | 94 | $102.78 | $509.16 | $611.93 | $14,531.74 | |
| Sep, 2033 | 95 | $99.30 | $512.63 | $611.93 | $14,019.10 | |
| Oct, 2033 | 96 | $95.80 | $516.14 | $611.93 | $13,502.96 | |
| Nov, 2033 | 97 | $92.27 | $519.66 | $611.93 | $12,983.30 | |
| Dec, 2033 | 98 | $88.72 | $523.22 | $611.93 | $12,460.08 | |
| Jan, 2034 | 99 | $85.14 | $526.79 | $611.93 | $11,933.29 | |
| Feb, 2034 | 100 | $81.54 | $530.39 | $611.93 | $11,402.90 | |
| Mar, 2034 | 101 | $77.92 | $534.02 | $611.93 | $10,868.89 | |
| Apr, 2034 | 102 | $74.27 | $537.66 | $611.93 | $10,331.22 | |
| May, 2034 | 103 | $70.60 | $541.34 | $611.93 | $9,789.88 | |
| Jun, 2034 | 104 | $66.90 | $545.04 | $611.93 | $9,244.85 | |
| Jul, 2034 | 105 | $63.17 | $548.76 | $611.93 | $8,696.08 | |
| Aug, 2034 | 106 | $59.42 | $552.51 | $611.93 | $8,143.57 | |
| Sep, 2034 | 107 | $55.65 | $556.29 | $611.93 | $7,587.29 | |
| Oct, 2034 | 108 | $51.85 | $560.09 | $611.93 | $7,027.20 | |
| Nov, 2034 | 109 | $48.02 | $563.92 | $611.93 | $6,463.28 | |
| Dec, 2034 | 110 | $44.17 | $567.77 | $611.93 | $5,895.51 | |
| Jan, 2035 | 111 | $40.29 | $571.65 | $611.93 | $5,323.86 | |
| Feb, 2035 | 112 | $36.38 | $575.56 | $611.93 | $4,748.31 | |
| Mar, 2035 | 113 | $32.45 | $579.49 | $611.93 | $4,168.82 | |
| Apr, 2035 | 114 | $28.49 | $583.45 | $611.93 | $3,585.37 | |
| May, 2035 | 115 | $24.50 | $587.43 | $611.93 | $2,997.94 | |
| Jun, 2035 | 116 | $20.49 | $591.45 | $611.93 | $2,406.49 | |
| Jul, 2035 | 117 | $16.44 | $595.49 | $611.93 | $1,811.00 | |
| Aug, 2035 | 118 | $12.38 | $599.56 | $611.93 | $1,211.44 | |
| Sep, 2035 | 119 | $8.28 | $603.66 | $611.93 | $607.78 | |
| Oct, 2035 | 120 | $4.15 | $607.78 | $611.93 | $0.00 | |
What Is an SBA Loan?
An SBA loan is a small business loan partially guaranteed by the U.S. Small Business Administration (SBA). The SBA doesn't lend money directly, it works with banks, credit unions, and other lenders to make loans more affordable for small businesses. For many small businesses, accessing to financing can be tough. Whether you're trying to buy equipment, hiring new employees, or manufacturing products, getting a SBA loan is an option. Since SBA guarantees a portion of the loan, lenders take less risk, which means lower interest rates, longer repayment terms, and easier qualification for borrowers.
Common Types of SBA Loans
There are many different types of SBA loans, such as SBA 7(a) loan, SBA 504 loan, SBA microloan, and SBA microloan.
- SBA 7(a) Loan - Most popular SBA program, with loan amounts up to $5 million, and terms up to 25 years for real estate, and 10 years for equipment financing.
- SBA 504 Loan - Great loan for real estate and construction, with terms up to 25 years, and loan amount up to $5.5 million.
- SBA Microloan - Short term loan amount up to $50,000 for small businesses and startups, terms are usually 6 years and under.
- SBA Disaster Loans - Help small business recover from disasters with loan amount up to $2 million and terms up to 30 years.
Benefits of SBA Loans
The main benefits of SBA loans are lower interest rate compared to traditional business loans, longer repayment terms that lower monthly payments, and easier qualification because of the SBA guarantee.
What is an SBA Loan Calculator?
Before applying for an SBA loan, it is important to understand what your monthly payments and a plan to pay off your loan, as this will impact your business finances and expenses. An SBA loan calculator help you calculate the monthly payments, total borrow costs, total repayment amount, understanding of principal and interest payments each month, and comparing loans with from lenders.
SBA 7a Loan Calculator
SBA 504 Loan Calculator
Commercial Real Estate Loan Calculator
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