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Longer terms, a smaller injection and a lower rate ceiling than a lender would offer alone — paid for with a guaranty fee, eligibility rules and a slower timeline. SBA is not one loan: the right program depends on what you are buying more than on how much you need, and picking wrong costs months because you find out at underwriting.
Figures current as of August 2026 under SOP 50 10 8. Rate ceilings move with prime; the 7(a) and 504 caps were decoupled in July 2026 at $5M each and $10M combined.
No guaranty fee, no eligibility test, and a timeline measured in weeks rather than months. The trade is a larger injection and a shorter amortization, which is what actually decides whether the coverage works — and seller paper and a structured stack sit here because neither involves a lender at all.
No. The rate ceiling is lower, but the guaranty fee and the timeline are real costs. On a small, fast deal a conventional loan often wins once both are counted.
Usually ten percent on an SBA acquisition, and a seller note on full standby can count toward part of it. Conventional lenders typically want more.
Whether the earnings service the debt with room to spare. Most lenders want 1.25 times; below 1.15 the deal does not fund however good the business is.
No. Nothing is stored, and closing the tab clears everything. Use the notes tab in each calculator to record why you changed what you changed.
For informational purposes only. ExitAdviser financing calculators are educational tools and do not constitute financial, tax, or lending advice. Loan terms, SBA guarantee fees, CDC debenture rates, and lender requirements change frequently. Confirm all figures with an approved SBA lender, commercial lender, or qualified financial adviser before making any financing decision.