SBA 504 Loan Calculator
Calculate SBA 504 loan payments for owner-occupied commercial real estate and major equipment
Loan Details
Typical: 5.5% - 9.5%
Extra Payments
Additional amount each month
Loan Summary
Loan Details
Financial Disclaimer
This calculator provides estimates for informational purposes only. Actual loan terms, rates, and payments may vary. This is not financial advice. Consult with a qualified financial advisor or lender for specific guidance. PayoffCalculator.io is not a lender and does not provide loans.
How to Use This SBA 504 Loan Calculator
Enter the project cost or financed balance, down payment, expected SBA 504 rate, and term. The calculator estimates the monthly payment, total interest, and how extra payments could change the payoff schedule.
Understanding SBA 504 Loan Loans
An SBA 504 project is often split between a bank loan, a CDC/SBA debenture, and borrower equity. This calculator estimates the payment on the financed amount you enter, so use lender quotes for exact blended structures and fees.
Tips for Getting the Best SBA 504 Loan Rate
Ask lenders for a full project-cost breakdown, including bank portion, CDC portion, fees, closing costs, and borrower injection. Compare the blended payment with conventional commercial loan offers.
Frequently Asked Questions
Enter the project amount or loan amount, expected down payment, interest rate, and term. The calculator estimates the monthly payment, total interest, and amortization schedule for the financed balance.
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