SBA 504 Payment Calculator
Estimate monthly payments using typical SBA 504 assumptions so you can compare ownership versus continued leasing.
SBA 504 payment inputs
Estimated payment results
Estimated down payment: $150,000
Estimated financed amount: $1,350,000
Estimated monthly payment: $12,267
Estimated annual payment: $147,210
This is an estimate for educational purposes. Actual terms vary by lender and borrower profile.
Want exact SBA 504 options from a lender?
Share your details and we can connect you with a lender who serves your market.
Why this matters for buyers leaving a lease
If you are searching SBA loan to buy a building or SBA 504 loan commercial real estate, payment clarity is what moves decisions forward. This page helps compare ownership costs against rent before you submit offers.
SBA 504 payment FAQ
What is a typical SBA 504 down payment?
Many owner-occupied scenarios start around 10%, though structure and requirements vary based on borrower profile and deal characteristics.
Is SBA 504 better than conventional financing?
For many small business buyers, SBA 504 can reduce upfront cash needs compared with conventional loans that often require 25-30% down.
Can this payment estimate replace a lender quote?
No. This tool is educational and directional. Always confirm rates, fees, and terms with a licensed SBA lender.