SBA 7(a) Business Acquisition Loan Calculator
Calculate SBA 7(a) loan eligibility and terms for purchasing an existing business. Get instant qualification assessment, monthly payments, and amortization schedules.
Quick Scenarios
Business Details
Step 1 of 3Loan Structure
Step 2 of 3 %
5% min with seller financing, 10% standard
years
Up to 10 years for acquisitions
$
Reduces SBA loan needed
Rates & Requirements
Step 3 of 3 %
As of January 2025: 7.75%
%
Typically 2.75% - 5%
Typically 1.25+ for approval
Optimize Your Loan
10%
($100,000)
5% (Min with seller) 10% (Standard) 20% (Max)
10 years
5 years 10 years
Impact on Monthly Payment:
- DSCR: -
Tip: 5% down requires 5% seller financing. Most buyers use 10% down for standard SBA 7(a) loans.
Loan Qualification
Real-time SBA 7(a) loan assessment
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Learn About SBA 7(a) Loans
What is DSCR?
Debt Service Coverage Ratio (DSCR) measures a business's ability to pay its debt:
DSCR = Cash Flow ÷ Annual Debt Service A DSCR of 1.25 means the business generates $1.25 for every $1 of debt payment. Lenders typically require 1.25 or higher.
SBA 7(a) Requirements
Minimum 10% down payment for acquisitions
Business must be for-profit and operate in the US
Personal guarantee from owners with 20%+ ownership
Good credit history (typically 680+ FICO)
Tips for Approval
Pro Tips:
- • Prepare 3 years of business tax returns
- • Consider seller financing to reduce loan amount
- • Higher down payment improves approval chances
- • Work with an SBA Preferred Lender
- • Have a clear post-acquisition business plan