Estimate your monthly payment, total interest, and true loan cost before you apply. Works for SBA loans, equipment financing, term loans, and lines of credit.
Loan Payment Calculator
$2,086
Monthly Payment
$125,157
Total Repayment
$25,157
Total Interest Cost
Typical Rate Ranges by Loan Type (2026)
| Loan Type | APR Range | Typical Term | Max Amount |
|---|---|---|---|
| SBA 7(a) Loan | 8.5–15.5% | 7–25 years | $5M |
| SBA 504 Loan | 6.5–9.5% | 10–25 years | $5.5M |
| Equipment Financing | 7–24% | 2–7 years | $5M |
| Bank Term Loan | 7–20% | 1–7 years | $2M+ |
| Business Line of Credit | 10–35% | Revolving | $500K |
| Working Capital Loan | 18–60% | 3–18 months | $500K |
| Invoice Factoring | 15–50% eff. | 30–120 days | Unlimited |
| Merchant Cash Advance | 40–150%+ | 3–18 months | $500K |
| Bridge Loan | 8–18% | 6–24 months | $50M+ |
| Commercial Real Estate | 6–14% | 5–25 years | $20M+ |
| USDA B&I Loan | 6–12% | 7–30 years | $25M |
Rates as of May 2026. Prime Rate: 8.50%. SBA 7(a) rates = Prime + 2.25–4.75% by loan size and term. Source: SBA, Federal Reserve H.15 Statistical Release.
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