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SBA 504 two-loan scenario calculator

Model two financing portions with independent rates and terms.

Example values are editable scenarios, not current offers. Enter your actual quoted terms.

Enter your scenario and select Calculate.

How this estimate works

Uses the entered rates and payment timing. Taxes and unentered costs are excluded. Estimates are not offers or eligibility decisions. Financing proportions are entered by you, not assumed SBA eligibility or approval. The first loan is project cost minus cash contribution and second loan. Fees are excluded.

Results use unrounded intermediate amounts; display and CSV round to cents. Actual lender rounding and day counts can differ. Inputs are calculated locally and are not submitted to our server.

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Scenario schedule

Periods are monthly unless this calculator specifies a different payment frequency. A final balloon is included in the final payment. See the model assumptions above.