Franchise SBA loan calculator

If you plan to borrow part of the startup cost, see what the loan would cost each month and how much cash you’d put down.

Loading a brand uses the midpoint of its printed Item 7 range. That estimate may exclude required costs. Review its investment notes and adjust the project cost before using the loan calculation.

Load a franchise’s FDD figures Total project cost ($) Cash down payment to model (% of project cost) Interest rate (% per year, from your lender’s quote) Loan term (years)

Down payment: —
Loan amount: —
Monthly payment: —
Total interest: —

Notes

Rates, fees and required contributions depend on the lender, the loan program and your credit. The defaults above are examples, not quotes. The 10% cash default is one way to model the start-up equity rule for Standard 7(a) and 7(a) Small loans; SBA Express leaves the equity decision to the lender. The SBA lending procedures also allow certain noncash sources to count as equity. This calculator models a cash payment only. A brand's disclosed liquid-capital or net-worth requirement, where available, is not a lender's approval or a substitute for its financing terms. Confirm the project budget and loan requirements with the lender.

SBA loans for franchises explains the SBA Franchise Directory check, the program-specific start-up equity rules, maximum loan terms and personal guarantees.