See what an SBA 7(a) loan could look like for you.
Refinancing an existing SBA loan? See how much you could save in interest or free up in cash flow. Buying a business? Model the down payment, seller financing, monthly payment and debt coverage on your deal — or start with the cash you have and see what you can afford.
Your current SBA loan
New SBA 7(a) loan
Type any term, including blended terms like 14 or 17 years. WSJ Prime is 7.00% today.
What rate should I expect?
Prime + 1.25% or lower is reserved for deals that are strong on every front — including the buyer: good credit, solid collateral, cash in the bank, and industry or management experience. If any of those boxes isn't checked, expect something closer to Prime + 2.00%.
- ✓ Good credit
- ✓ Collateral
- ✓ Cash
- ✓ Experience
Your payment today
$22,960
New rate
9.00%
SBA guaranty fee
$40,836
New loan (fee financed)
$1,540,837
Option 1
Save on interest
Keep paying $22,960/mo at 9.00% instead of 10.25%
$53,775
total interest you save (after the SBA fee)
- Interest saved
- $94,612
- Less SBA guaranty fee
- -$40,836
- Loan paid off
- 2 mo sooner
Option 2
Improve cash flow
Lower rate, new 10 yrs term
$41,298/year
in savings — $3,441 less every month
- New payment
- $19,519
- New term
- 10 yrs
- Total interest, new loan
- $801,404
Estimates for discussion only — not a loan offer or commitment to lend. Rates use today's WSJ Prime Rate and assume it stays flat; SBA 7(a) variable rates adjust with Prime. The SBA guaranty fee uses the FY2027 schedule and is shown financed into the loan. Seller-note and equity rules follow SBA SOP 50 10 8.1 as we understand them; your lender makes the final call. FTI Capital is a loan broker, not a lender.