Model the full 504 capital stack

SBA 504 projects often combine a bank first lien, a CDC debenture, and borrower equity. The useful comparison is not just one payment; it is the combined debt service, project funding gap, fees, borrower cash needed, and DSCR. Compare this estimate with the SBA loan calculator, commercial mortgage calculator, DSCR calculator, and business loan affordability calculator.

This calculator is an estimate for planning and comparison only. It is not an official SBA calculator and does not replace lender, CDC, legal, tax, appraisal, environmental, eligibility, or underwriting review.