What does an SBA loan on this business actually cost?
A purchase price and a down payment are enough to see the monthly payment. Everything else has a working default you can change. No account needed.
Prime 7.00% · as of 8 Oct 2026 · Federal Reserve H.15, released 9 Oct 2026 · set by Revanu
$775,845 financed over 10 years at 10.00%. Across the full term you repay $1,230,342, of which $454,497 is interest — 59% of what you borrowed.
At 1.25× coverage — a widely used lender convention, not a Revanu figure — this loan needs $153,793 of annual cash flow. That is the question that decides whether a deal happens.
Test it against real cash flowRate shown is the SBA 7(a) maximum for a loan over $350k, from Federal Reserve H.15, released 9 Oct 2026. Fixed-rate caps follow a different schedule and are not modeled here. The guarantee fee follows the FY2027 schedule (SBA Information Notice 5000-881797, 3 Sep 2026); the zero-fee and short-term exceptions are not modeled. Benchmarks, not offers, appraisals, or advice. Every result here shows the arithmetic that produced it so you can argue with it. Rates and fees vary by lender and by borrower.