SBA 7(a) Acquisition Loan Calculator

Estimate the down payment, monthly payment, total interest, and seller-note structure for a small business acquisition. Based on FY2025 SBA 7(a) typical terms — 9.31% average rate, 10-year amortization.

Free No email needed Updated 2026 Free to embed

Purchase Price $1,180,000

FY2025 average SBA 7(a) acquisition loan: $1.18M

Buyer Equity (Down Payment) 15%

SBA minimum 10%; 15-25% typical; counts seller note toward equity

Seller Note (% of price) 10%

Common at 5-15%; aligns seller with successful transition

SBA 7(a) Interest Rate 9.31%

FY2025 average: 9.31%; median: 9.50%; typically prime + 2.75-3.0%

Loan Term (years) 10 years

10 years standard for goodwill / business assets; 25 years if real estate is included

Estimated Monthly Payment

$10,468

SBA 7(a) loan portion only

Cash to Close (Buyer)

$177,000

Equity required at closing

SBA Loan Amount

$885,000

75% of purchase price

Seller Note

$118,000

10% subordinated to SBA

Total Interest (life of loan)

$370,656

Total Cost of Capital

$1,255,656

Loan + total interest

Debt service coverage: SBA underwriters typically require business cash flow (SDE) of at least 1.25× annual debt service. For this deal, that means SDE of $157,020+ to qualify cleanly.

What This Calculator Doesn't Show

This estimate covers the SBA 7(a) loan structure. Real NJ acquisition deals also include:

SBA guarantee fee — 0% on loans under $1M; 3.5%-3.75% above (usually rolled into the loan)
Working capital — most NJ deals need additional working capital beyond purchase price (often financed inside the SBA loan)
Closing costs — title, legal, escrow — typically 1-3% of deal size
Real estate (if included) — often financed via SBA 504 alongside the 7(a)
Earnouts — common in healthcare, professional services, recurring-revenue businesses

For a real number, work with an SBA lender directly. We can introduce you to NJ-active SBA 7(a) lenders.

NJ SBA 7(a) Reality Check — FY2025 Data

Metric	FY2025 (national)
SBA 7(a) total loan volume	$37 billion
Total loans guaranteed	77,600
Acquisition lending volume	$8.29 billion (+34.58% YoY)
Acquisition loans funded	7,003 deals
Average acquisition loan size	$1.18 million (+6.57% YoY)
Average interest rate (acquisition)	9.31% (median 9.50%)
Typical buyer equity	10-25% (with seller note 5-15%)

Source: SBA Loan Program Performance, EBIT Community SBA Q4 2025. See full SBA financing stats.

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Nexus Bridge Business Brokers (2026). SBA 7(a) Acquisition Loan Calculator. Retrieved from https://nexusbridgebrokers.com/sba-7a-acquisition-calculator/

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Disclaimer: This calculator provides estimates only. Actual SBA 7(a) terms vary by lender, deal structure, buyer profile, and credit. Always confirm exact terms with a qualified SBA-preferred lender before relying on these numbers.