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SBA 7(a) payment and eligibility check

The monthly payment, the equity you will be asked to inject, and the coverage ratio the programme expects — read from dated configuration, with the version in force printed beside it.

Everything the loan is for: purchase price, fit-out, equipment, working capital, fees.

Cash you are putting in. Borrowed funds generally do not count.

For the first full year after any interest-only period ends — the year a lender sizes against.

Monthly payment

$7,873

On $560K borrowed against a $650K project — SBA 7(a) Standard by size.

Passes: Equity injection: 13.8%

At or above the 10% minimum.

Passes: Coverage: 1.66×

At or above the 1.15× threshold for this programme.

Amount financed
$560,000
Annual debt service
$94,480
Total interest over the term
$384.8K
Guaranty fee
Not modelled
The fee schedule is fiscal-year dependent and sits in our verification queue. We would rather leave it out than print a figure we have not confirmed against SBA's own source.

What these tests were measured against

Minimum equity injection: 10%

SBA SOP 50 10 8 · in force from 2025-06-01 (no end date on record)

Confidence: secondary.

SBA 7(a) Standard coverage threshold: 1.15×

SBA SOP 50 10 8 · in force from 2025-06-01 (no end date on record)

Confidence: secondary.

7(a) Small Loan ceiling: $500,000

SBA SOP 50 10 8 · in force from 2025-06-01 (no end date on record)

Unverified — this figure is in our verification queue and must not be presented to a lender as authoritative.

Configuration last reviewed 2026-09-19. Every figure above carries its own effective date, so this page changes when the guidance does rather than when someone remembers to edit it.

How this is computed

Owners preparing a 7(a) application, and buyers sizing an acquisition against what a lender will actually approve.

  • The programme is derived from the loan size: under the small-loan ceiling it is 7(a) Small, above it 7(a) Standard. Both thresholds are dated configuration, not constants.
  • Coverage is measured as EBITDA less cash taxes over scheduled debt service, which is the convention most SBA lenders apply to projections.
  • The equity injection minimum and the coverage threshold each carry an effective-date range, a source and a confidence level, all shown.

What it will not tell you

A calculator that lists only what it does is a toy. These are the limits worth knowing before you quote the answer to anyone.

  • This is not a credit decision and not a pre-qualification. Collateral, credit history, management experience and the global cash flow of the owner all sit outside it.
  • Values marked unverified are in the product's verification queue and must not be treated as authoritative. SOP 50 10 8.1 takes effect 2026-10-01 and changes acquisition underwriting.

This number belongs in a document that agrees with it.

The full plan links every one of these together and blocks export until the prose and the model reconcile. Free to generate and read.

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