SBA 7(a) Loan & Payment Calculator

Estimate the monthly payment, annual debt service, and debt-service coverage on an SBA 7(a) business-acquisition loan, given the purchase price, equity injection, seller note, rate, and term.

Purchase price$Equity injection%SBA 7(a) requires a minimum of 10%.Seller note$Amount the seller finances, reducing the bank loan.Interest rate%TermyrsBusiness SDE (annual)$Used to check debt-service coverage.

Equity injection$100,000

Seller note$100,000

Bank loan amount$800,000

Annual debt service$134,972

Total interest (life of loan)$549,717

Monthly payment$11,247.64

Debt-service coverage (DSCR)2.22 · strong

Lenders generally want a DSCR of at least 1.15–1.25×. Estimate only — confirm terms with an SBA lender.

Take this further

Create a free account to save your numbers, work through the full Foundations curriculum, and run AI-graded deal practice. When you’re searching for real, the paid workspace adds live deal sourcing, a CRM, and evidence-linked analysis.

Start free Explore the Academy

Educational estimate only — not lending, legal, tax, or investment advice. Confirm all figures with qualified professionals before acting on a deal.