SBA 7(a) financing calculator

See whether a deal cash-flows at standard SBA terms — DSCR, monthly payment, cash to close, and your return. Then get pre-qualified, free, through GoSBA.

SBA 7(a) financing calculator

Stress-test the numbers at standard SBA terms. Estimate only.

Purchase price$1,000,000

Annual cash flow (SDE)$320,000

Your salary / draw$80,000

Down payment10% · $107.5K

Seller note10% · $100K

Seller note standbyLoan term

Interest rate10.25%

Debt service coverage

1.68×

Lender-preferred

Comfortably covers debt — lender-preferred.

Cash to close: $107,500
SBA loan amount: $890,272
Monthly P&I: $11,889
Annual debt service: $142,663
Buyer take-home / yr: $97,337
Cash-on-cash: 91%

DSCR by year (weakest shown on card)

2023

1.33×

2024

1.54×

2025

1.68×

Get pre-qualified with GoSBA — free

Estimate only — subject to SBA SOP & lender underwriting.

Estimates only — not a commitment to lend. Actual terms depend on borrower credit, lender policy, and SBA program rules in effect at closing.

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