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Utilize our tool to determine costs of the loan.

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For the SBA 7(a) program: 10 year term with monthly payments at 7.5% current interest rate (subject to change) . You can pay the loan off early with no pre-payment penalty.

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The SBA has a 25 year option available for purchase of commercial real estate where the owner occupies 51% or more of the property.

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The EIDL program  was a 30 year term with a 3.75% interest rate. 

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When comparing programs, longer term programs generally have a smaller interest rate due to the spread. Over time, the interest adds up so we always recommend paying more than your minimum payment. Use our calculator to compare the cost of capital. Which loan is truly best for your needs and time frame?