Business Loan
SBA Express Loan Calculator
Estimate monthly payments for an SBA Express loan, which offers streamlined approval (within 36 hours) for amounts up to $500,000 with a 50% SBA guarantee.
Monthly Payment
$2,437.50
Guarantee Fee
$1,500.00
Total Financed
$151,500.00
Total Interest
$53,249.61
Total Cost
$204,749.61
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Payment Breakdown
Principal
$151,500.00 (74.0%)
Interest
$53,249.61 (26.0%)
How This Calculator Works
SBA Express loans carry a 50% guarantee with the same fee schedule as 7(a). The key advantage is speed — lenders can approve in 36 hours. Max spread is Prime + 4.50% for loans ≤$50K and Prime + 2.75% for larger amounts.
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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.