Tool

SBA Loan Offer Comparison Calculator

Compare two SBA-style lender offers by monthly payment, guarantee fees, packaging costs, financed fees, borrower cash to close, fee load, and estimated total cost.

Offer A

Offer A loan amount Offer A annual rate % Offer A term years Offer A guaranteed portion % Offer A guarantee fee % Offer A packaging / lender fee Offer A closing costs Offer A borrower cash to close Offer A fees financed %

Offer B

Offer B loan amount Offer B annual rate % Offer B term years Offer B guaranteed portion % Offer B guarantee fee % Offer B packaging / lender fee Offer B closing costs Offer B borrower cash to close Offer B fees financed %

Compare the economics before choosing a lender

Two SBA offers can look similar until you compare fees, financed costs, rate, term, and borrower cash side by side. Use this with the SBA loan guarantee fee calculator, SBA loan down payment calculator, SBA 7(a) loan calculator, and business loan comparison calculator.

This calculator is an estimate for planning and comparison only. It is not an official SBA disclosure, lender approval, legal advice, tax advice, accounting advice, or financial advice.