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 6.75% · as of 1 Aug 2026 · Federal Reserve H.15, August 2026 · set by Revanu
$732,743 financed over 10 years at 9.75%. Across the full term you repay $1,149,851, of which $417,108 is interest — 57% of what you borrowed.
At 1.25× coverage — a widely used lender convention, not a Revanu figure — this loan needs $143,731 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, August 2026. Fixed-rate caps follow a different schedule and are not modeled here. The guarantee fee follows the FY2026 schedule (SBA Information Notice 5000-872051, 28 Aug 2025); the manufacturing 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.