To calculate the estimated monthly payments, enter the estimated project costs, select the appropriate Borrower Contribution percentage, and select the estimated amortization and interest rate of the bank loan.

Please note that as of October 1, 2025, the SBA Guaranty Fee (part of the Administrative Costs/Loan Fees) and the SBA monthly servicing fee (part of the monthly payment) have been reduced to 0% for small manufacturers (NAICS Codes starting with 31, 32, and 33) as part of the White House’s “Made in America” initiative.  The calculations below do not reflect those savings.

25-year 504 Loan

 For projects where real estate-related costs exceed equipment costs.

20-year 504 Loan

For projects where real estate-related costs exceed equipment costs.

10-year 504 Loan

For projects where equipment has a useful life of at least 10 years.