Business Loan
SBA 504 Loan Calculator
Estimate payments for an SBA 504 loan, which combines a conventional bank loan (50%), a CDC/SBA-backed debenture (40%), and a borrower down payment (10%). Ideal for purchasing commercial real estate or heavy equipment.
Combined Monthly Payment
$6,446.51
Bank Payment (50%)
$3,694.96
CDC/SBA Payment (40%)
$2,751.55
Down Payment (10%)
$100,000.00
Bank Portion
$500,000.00
CDC/SBA Portion
$400,000.00
Total Interest
$868,858.59
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Payment Breakdown
Principal
$0.00 (0.0%)
Interest
$868,858.59 (100.0%)
How This Calculator Works
SBA 504 splits the project: bank finances 50% (market rate), CDC/SBA finances 40% (below-market rate), borrower contributes 10% down. Payments for each portion are calculated separately using standard amortization.
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Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the information you provide and standard financial formulas. Actual loan terms, rates, and payments may vary. This is not financial advice. Please consult with a qualified financial professional and verify all figures with your lender before making borrowing decisions.