Instant SBA Loan Calculator

Calculate the potential loan amount a business can receive from the SBA.

Annual EBITDA/SDE

Enter your business's annual EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) or SDE (Seller's Discretionary Earnings). Typically, banks will use an average of the last three years of tax returns.

Down Payment (%)

Enter the down payment percentage you're willing to make. Typically ranges from 10% to 30%. The loan-to-value ratio will be calculated as (100% - Down Payment).

Debt Service Coverage Ratio

The ratio of cash available for debt servicing to interest, principal, and lease payments. Typically 1.25 or higher for SBA loans.

Prime Rate (%)

The current prime rate. As of 2024, it's around 8.5%.

Loan Spread (%)

The spread above prime rate. Typically ranges from 2.25% to 4.75% for SBA loans. This calculator assumes a standard 10-year loan term.

Potential Loan

This is an estimate of the maximum SBA loan amount you may qualify for based on the provided information.

Maximum Business Valuation

This is the estimated maximum business valuation based on the calculated loan amount and down payment.