Browse calculatorsBusiness Finance Calculators
SBA 504 Loan Calculator
Model a two-loan fixed-asset financing structure and combined payment.
SBA 504 Loan Calculator
Enter your numbers and the result updates straight away.
Outputs
Planning estimate only. Verify assumptions before making a financial decision.
A $2 million project modeled at 50% bank, 40% CDC/SBA, and 10% equity produces $1 million, $800,000, and $200,000 portions.
How this calculation works
Each financing share is applied to eligible project cost. The bank and CDC portions are amortized separately using their entered rates and a common planning term, then combined.
How to interpret the result
SBA states that 504 financing is for major fixed assets and generally cannot fund working capital or inventory. Actual structure, debenture rate, bank term, fees, special-purpose equity requirements, and eligibility come from the CDC and lender.
Limitations
Results are educational planning estimates. They do not include every tax, legal, accounting, financing, or business-specific consideration and are not professional advice.
Sources and further reading
Formula and example
A $2 million project modeled at 50% bank, 40% CDC/SBA, and 10% equity produces $1 million, $800,000, and $200,000 portions.
Common use cases
- Estimate a project capital stack.
- Compare bank and CDC portions.
- Plan borrower equity and combined payment.
SBA 504 Loan Calculator FAQ
How is SBA 504 calculated?
Each financing share is applied to eligible project cost. The bank and CDC portions are amortized separately using their entered rates and a common planning term, then combined.
What should I check before using the result?
SBA states that 504 financing is for major fixed assets and generally cannot fund working capital or inventory. Actual structure, debenture rate, bank term, fees, special-purpose equity requirements, and eligibility come from the CDC and lender.
Does this calculator provide financial advice?
No. It applies the stated formula to your inputs for educational planning. Validate definitions, timing, accounting treatment, and assumptions before acting.