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SBA loans can be a great way to fund your business, but figuring out how much you can borrow, what your monthly payments will be, and what fees you’ll owe can be confusing. That’s why SBALenders.com offers four, easy-to-use calculators to help you plan smarter and borrow with confidence.
📈 SBA Maximum Loan Calculator
Ever wonder how much an SBA lender would realistically loan your business?
Our SBA Maximum Loan Calculator helps estimate the largest SBA 7(a) loan amount your business may qualify for, based on your annual profits (EBITDA). Most lenders will only lend 4x to 6x your cash flow, and this calculator gives you a clear picture of your borrowing potential.
Why it matters:
- Quickly gauge your loan eligibility
- Avoid applying for unrealistic loan amounts
- Align your funding expectations with lender guidelines
💵 SBA Loan Payment Calculator
Knowing how much your loan will cost each month is critical to cash flow planning. With our SBA Loan Payment Calculator, simply input the loan amount, interest rate, and loan term to get a quick estimate of your monthly principal and interest payment.
Perfect for:
- Evaluating affordability
- Comparing different loan terms
- Planning your business budget
🧾 SBA Loan Guarantee Fees Calculator
Every SBA 7(a) loan includes a guarantee fee, which varies depending on the loan amount and term. Our SBA Loan Guarantee Fees Calculator factors in the latest SBA fee structure (updated as of March 27, 2025) to show you exactly what you’ll owe.
Use this tool to:
- Understand the total cost of borrowing
- Compare SBA loan options
- Avoid surprise closing costs
🧮 SBA Loan Refinance Calculator
Refinancing an existing loan can be a smart way to lower your monthly payments, reduce your interest rate, or improve cash flow. Our SBA Loan Refinance Calculator helps you quickly compare your current loan to potential SBA refinance options.
Just enter your existing loan balance, interest rate, and remaining term to instantly see how refinancing with an SBA 7(a) loan could benefit your business.
Use this tool to:
- Instantly estimate your new monthly payment after refinancing.
- Determine how much refinancing improves your cash flow