SBA Loan Qualifier
Your SBA 7(a) monthly payment plus a lender-style check on DSCR, equity injection, credit and experience.
Example scenario—not a forecast or verified benchmark. Enable JavaScript to edit inputs, view charts, save locally and export your analysis.
Example inputs
- Loan purpose
- acquisition
- Total project cost (purchase price, equipment, etc.)
- 1,500,000
- Your cash injection
- 10
- Fees & closing costs financed into the loan
- 3
- Interest rate
- 10.5
- Term
- 10
- Business cash flow (SDE or adjusted EBITDA)
- 480,000
- Salary you need to live on
- 110,000
- Other annual business debt payments
- 0
- Lender's minimum DSCR
- 1.25
- Lender's minimum equity injection
- 10
- Your personal credit score
- 680
- Years of industry or management experience (or years in business)
- 5
Example results
$18,763/month on a $1.4M SBA loan; DSCR of 1.64x. Verdict: likely to qualify.
- Monthly payment
- $18,763
- DSCR after owner salary
- 1.64x
- Qualification outlook
- Likely to qualify
- Loan amount (incl. financed fees)
- $1,390,500
- Cash injection required
- $150,000
- Max project cost cash flow supports
- $1,971,996
- Total interest over term
- $861,025
- Qualification score
- 100/100
What stands out
Monthly payment: $18,763
On a $1.4M loan at 10.5% for 10 years; $861K of total interest over the life of the loan.
Cash flow supports a project of up to $2M
That is a maximum loan of about $1.8M at 1.25x coverage after your $110K salary.
Next actions
- Coverage is adequate; protect it by keeping at least $56K (3 months of payments) in post-close working capital.
- Document the source of your injection (bank statements, 401(k) rollover, gift letter) early; lenders verify it.
- Get 2–3 SBA preferred lender quotes; rates, fees and appetite for your industry vary widely.
Model assumptions & limitations
- Assumes a fully amortizing 10-year loan at a fixed 10.5%. Real 7(a) loans are usually variable-rate.
- Rule of thumb: 7(a) terms typically run up to 10 years for acquisitions, working capital and equipment, and up to 25 years for real estate.
- Rule of thumb: lenders commonly look for DSCR around 1.15–1.25x and roughly 10% equity on acquisitions. Your entered thresholds (1.25x, 10%) are used. These are not guarantees of approval.
- Credit and experience thresholds are directional; lenders also weigh collateral, liquidity, industry and personal guarantees.