SBA 504 Loan Calculator
Total Payments
144 monthly payments
Principal
$1,000,000
Total Interest Paid
$1,069,463
Total Financing Cost*
$2,069,463
Monthly SBA Loan Payment*
$14,371.27 /month
Janover Estimate (monthly)*
$10,552.26 /month
Total Annual Payments*
$172,455.25 /year
Janover Estimate (annually)*
$126,627.16 /year
*Estimated payments. Actual payments may vary.
Amortization / Payment Schedule
| Payment | Principal | Interest | Balance |
|---|
SBA 504 Loan Calculator | Estimate Your Project Financing
The ToolsTecique SBA 504 Loan Calculator helps business owners estimate monthly payments, total loan costs, and long-term financing details for SBA 504 commercial real estate and equipment loans. It breaks down the two main parts of an SBA 504 loan—the CDC portion and the bank portion—so you know exactly how much you'll pay over time.
What Is an SBA 504 Loan Calculator?
An SBA 504 Loan Calculator allows you to enter your project cost, down payment, loan terms, and interest rates to get an instant estimate of monthly payments and total repayment amount. This tool is designed for business owners who want transparent financial planning before applying for an SBA 504 loan.
How to Use the ToolsTecique SBA 504 Loan Calculator
- Enter your total project cost.
- Add your down payment percentage.
- Enter the bank loan interest rate and term.
- Enter the CDC loan interest rate and term.
- Click Calculate to see your payment summary.
You will instantly see estimated monthly payments for both loan portions, total interest paid, and your overall project financing cost.
Why Use an SBA 504 Loan Calculator?
SBA 504 loans include two separate loans with different terms, making them more complex. This calculator simplifies your payment expectations, allowing you to compare financing options, adjust interest rates, and test different down payments to find the most affordable path to funding your commercial project.
- Ideal for business owners buying property, expanding facilities, or financing equipment.
- Simplifies complex SBA 504 loan structure.
- Helps anticipate future cash flow needs.
Understanding Your SBA 504 Loan Results
- Total monthly payment
- CDC loan payment and term
- Bank loan payment and term
- Total interest paid over time
- Overall cost of the project
- Impact of different interest rates
Smart Tips for SBA 504 Loan Borrowers
- Choose the lowest possible bank loan rate.
- Increase your down payment to reduce financing costs.
- Compare multiple lenders for better terms.
- Review long-term cash flow before committing.
- Test various repayment scenarios using this calculator.
Key Benefits of the ToolsTecique SBA 504 Loan Calculator
- Understand both parts of the SBA 504 loan structure
- Estimate monthly payments accurately
- Plan for long-term business expansion
- Compare lender interest rates objectively
- Calculate total project financing costs
- Create a clear financial strategy before applying
Frequently Asked Questions (FAQs)
What is the ToolsTecique SBA 504 Loan Calculator?
It is a free tool that estimates monthly payments and total costs for SBA 504 commercial real estate and equipment loans.
How does an SBA 504 loan work?
It includes two loans: one from a bank and one from a CDC. Payments are made on both portions.
Does this calculator show CDC and bank payments separately?
Yes, it provides a clear breakdown of both loan portions.
Can I use this calculator for real estate purchases?
Yes, it supports property, construction, and expansion projects.
Does the calculator include interest estimates?
Yes, it shows interest paid on both loan portions.
How accurate are the results?
Results are estimates; exact payments depend on lender offers and final SBA terms.
Can I adjust down payment percentages?
Yes, changing your down payment will show how it affects monthly costs.
Does using this tool affect my credit score?
No, it does not collect personal information or require a credit check.
Can I compare bank loan rates using this calculator?
Yes, you can adjust the interest rate to compare lender options easily.
Is this calculator suitable for equipment financing?
Yes, SBA 504 loans also support long-term equipment purchases.