Tool

SBA Loan Down Payment Calculator

Estimate borrower equity injection, SBA loan amount, guarantee fees, cash to close, working capital reserve, and cash shortfall before applying for SBA-style financing.

Separate down payment from total cash needed

The borrower injection is only one part of the cash plan. SBA-style deals can also require guarantee fees, packaging fees, legal costs, reserves, working capital, and any funding gap the lender will not finance. Compare this estimate with the SBA 7(a) loan calculator, SBA 504 loan calculator, business acquisition loan 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, SBA, CDC, legal, tax, accounting, eligibility, or underwriting review.