Acquidex · Tool · Calculator · SBA 7(a) Financing
SBA Loan Calculator · v1.0
Updated 2026-05-09
SBA 7(a) acquisition loan, fully amortized.
Compute monthly payment, annual debt service, and total interest on a standard SBA 7(a) acquisition loan. Annual debt service is the DSCR denominator — the number lenders underwrite against.
§ 01 · Engine
Run your loan math.
Loan Inputs
SBA 7(a) Acquisition Loan
Maximum SBA 7(a) loan is $5M. The buyer typically funds 10% equity injection on top.
SBA 7(a) is variable, typically prime + 2.75% to prime + 4.75%. As of 2026, expect ~11.0%–12.5%.
Most SBA 7(a) acquisition loans are 10-year fully amortizing. Real estate components qualify for longer terms.
Monthly Payment
$14,060
Annual debt service is the number SBA lenders divide your adjusted SDE by to compute DSCR. Most lenders require ≥ 1.25×.
What this calculator covers
Standard fully-amortizing SBA 7(a) acquisition loan. Excludes the SBA guaranty fee (typically 3.0–3.75% of the guaranteed portion, often financed) and the buyer's 10% equity injection. For a complete deal model including DSCR, post-debt cash flow, and rate-shock scenarios, use the SBA stress-test.
§ 02 · Inputs
How to use this calculator.
- 01
Loan amount
Use the financed portion of the purchase price — price minus your equity injection (typically 10%) and any seller note on standby. Maximum SBA 7(a) is $5M.
- 02
Interest rate
SBA 7(a) is variable, set at prime plus a spread (typically 2.75%–4.75%). For 2026 deals expect 11%–12.5%. Stress your model at +200 basis points to test rate-shock survival.
- 03
Loan term
10-year fully amortizing is standard for goodwill-heavy acquisitions. Equipment-heavy deals stretch portions to 15 years. Real estate components qualify for 25-year amortization (often via SBA 504).
- 04
Read the annual debt service
The annual debt service number is what SBA lenders divide adjusted SDE by to compute DSCR. Most underwrite to ≥ 1.25×; the SOP floor is 1.15×. If DSCR is thin, lower the price or change the structure.
§ 03 · Beyond
A clean payment is necessary, not sufficient.
The deal also has to clear DSCR under stress, leave positive post-debt cash flow, and survive a 10–20% revenue dip. Use the loan number here as the input to the next two tools.