How to Use

Enter the total project cost, select a term, and adjust equity if the project involves a startup or a special-purpose property. Add an assumed first-lien rate if a combined monthly range is needed.

Notes and Assumptions

The effective 504 rate includes the note rate, servicing, and program fees and is confirmed at funding. The lending partner sets first-lien terms and closing costs. Results are rounded to the nearest dollar and do not include taxes, insurance, or reserves.

504 Loan Project Calculator

1. Project Cost

Total
$0.00

2. Source of Funds

Bank Loan (50%)
$0.00
SBA 504 Loan (40%)
$0.00
Equity Injection
$0

3. SBA 504 Debenture Pricing

Net Debenture
$0.00
Up to $10,000 (avg. ~$5,000).
Please enter estimated closing costs
SBA Guarantee Fee (0.5%)
$0.00
Funding Fee (0.25%)
$0.00
CDC Processing Fee (1.5%)
$0.00
Underwriters Fee (0.4% of gross)
$0.00
Subtotal
$0.00
Gross Debenture
$0.00
Balance to Borrower
$0.00

4. Debt Service

Bank Loan
25 years
20 years
15 years
10 years
Monthly Payment
$0.00
SBA 504 Loan Debenture
25 years
20 years
10 years
Monthly Payment
$0.00
Total Monthly Payment
$0
Annual Debt Service
$0.00

*This Calculator will provide a simplified estimate of how the SBA 504 program could work using data you provide. If this program looks like it would work for you please contact a 504 Capital Loan Officer who can provide you with a more detailed and accurate estimate of your refinancing package options based on your specific needs. 

August 2026 SBA 504 Interest Rates

25-Year Term
6.27%
20-Year Term
6.27%
10-Year Term
6.19%