SBA Loan Payment Calculator
Searching "SBA loan to buy a building"? Estimate monthly payments with owner-occupied assumptions so you can compare ownership versus continued leasing before making offers.
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.
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Educational Resource: BuyingABuilding.com is not a lender, mortgage broker, or financial advisor. We provide education and help connect business owners with participating SBA-approved lenders.
Why this matters for buyers leaving a lease
If you are searching SBA loan to buy a building, payment clarity is what moves decisions forward. Use this estimate to pressure-test occupancy cost, then confirm current lender terms for the structure that best fits your scenario.
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.