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    SBA 504 Loan Calculator

    Explore your SBA 504 financing options with a detailed cost and payment breakdown.

    SBA 504 – October 2026 Rates

    10 Year Rate (%)

    6.60

    20 Year Rate (%)

    6.97

    25 Year Rate (%)

    6.97

    Loan Information Entry

    $

    Minimum $62,500 · Maximum $12,177,300. For larger projects, contact a Loan Specialist.

    Estimated Debt Service

    First Lender (Bank) 50% 5$500,000.00
    SBA 504 Loan 40% 1,5$400,000.00
    Equity Injection 10% $100,000.00
    Total$1,000,000.00

    First Lender Rate 2

    6.5%

    SBA 504 Loan Rate 3

    6.97%

    Blended Rate 4

    6.71%

    First Lender Amort. 2

    25 years

    SBA 504 Amort. 3

    25 years

    SBA Fees 6

    $16,600.00

    First Lender Monthly Payment$3,376.04
    SBA 504 Monthly Payment $2,936.47
    Total Monthly Payment$6,312.51
    Get a Personalized Quote

    1 SBA 504 rates are set monthly by the SBA and are fixed for the life of the loan.

    2 First lender (bank) rates and terms vary by lender. The values shown are estimates.

    3 SBA 504 rate is the effective rate as of October 2026.

    4 Blended rate is a weighted average of the first lender and SBA 504 rates.

    5 The typical 504 structure is 50% bank / 40% SBA / 10% borrower equity.

    6 SBA fees are 2.65% of the SBA loan amount plus legal fees and are financed into the SBA loan.

    This calculator provides estimates only. Contact a BFC loan expert for a personalized assessment.