Run the numbers

Payment, coverage, and your total check — with the FY2026 fee schedule and today's rate caps baked in.

Last reviewed June 2026 · Written against SOP 50 10 8 and current SBA notices

Purchase price$1.5M

Annual owner earnings / EBITDA$400K

Down payment10% · $150K

SBA minimum: 10% (at least 5% must be cash)

Term10 years

10 yrs standard · 25 only with ≥51% real estate

Your numbers

$17,654/mo

at 9.75% (today's Prime 6.75% + max spread)

Loan amount: $1.35M
FY2026 SBA guaranty fee: $35K
Est. closing costs: $20K
Total out of pocket: $206K
Debt service coverage (DSCR): 1.89x
Cash flow after debt service: $188K/yr

Above the 1.25x benchmark most lenders underwrite to — financeable as structured.

Estimates only — rates at the regulatory cap, actual pricing is negotiated. Not a loan offer or credit decision.

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How a lender reads your result

Two numbers decide your deal. Coverage ratio (annual cash flow ÷ annual loan payment): under 1.1x, no 7(a) underwrites; at 1.25x and up, lenders compete for your file. Total out of pocket: the down payment plus the FY2026 guaranty fee and closing costs.

Every SBA-friendly listing on CapBench runs this exact math against the deal's actual financials, plus a seven-question eligibility check. You get the answer without documents, a credit pull, or a salesperson.

AI summary

This SBA 7(a) acquisition calculator takes the purchase price, down payment, rate, and term and returns the monthly loan payment at today's rate caps, the debt-service coverage ratio against the business's cash flow, the SBA guaranty fee, and your total out-of-pocket including the 10% equity injection and closing costs. The fee schedule and rate caps reflect current FY2026 SBA rules (updated June 2026), and a coverage ratio of 1.25x or higher is what makes lenders compete for a file. It is built for buyers sizing a deal before approaching a lender.

This is general information, not legal, tax, or financial advice, and CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

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