Shows where similar files tend to price. What typically makes an SBA file strong: time in business, revenue stability, credit history, and collateral. Stronger files price lower in the range. Industry pattern, not a quote.
Estimate only. A partner's written offer controls.
How this estimate works
Actual amounts, rates, and terms are set by the SBA lender, not by OpenQuote, and depend on your credit, business, collateral, and the lender. The federal maximum is a legal ceiling, not a promise of the rate, so your rate will differ. The figures shown are federal-regulatory and market data as of Jul 2026, not OpenQuote pricing. Ask for the guaranty fee and any packaging fee in writing.
The tool amortizes the selected rate over the illustrative term as a fully amortizing, level monthly payment. Larger 7(a) loans have lower federal maximums. Working-capital and equipment terms run to 10 years, while real-estate terms run to 25 years; the cap follows loan size, not term. Figures are approximate; the schedule and fees on any signed SBA note govern.
The guaranty fee shown is a market-typical one-time SBA program fee on the guaranteed portion, 3% of $187,500. It is paid to the SBA, not OpenQuote, and is separate from the rate.
Drag the rate to test a quote against the federal maximum of 12.75%: anything above it is out of bounds. Realized 7(a) rates sit near 10.69% at this size, above a best-qualified floor around 8.75% to 9.50% (federal and market data, Jul 2026). Not OpenQuote pricing. Files like this typically land between 9.72% and 11.72% at this size. This is an industry pattern, not a quote, and the federal maximum binds regardless of file strength. The 10.69% rate sits around the realized market center for an SBA 7(a) loan at this size.
- 13 CFR 120.214(d): the codified 7(a) variable-rate ceiling, spreads of 6.5 / 6.0 / 4.5 / 3.0 points over the base rate by loan size, which render 13.25% / 12.75% / 11.25% / 9.75% at WSJ Prime 6.75%. Larger loans cap lower.
- 13 CFR 120.213 and Federal Register notice 2022-16162: the SBA-published 7(a) fixed-rate maximum, spreads of 8 / 7 / 6 / 5 points, which render 14.75% / 13.75% / 12.75% / 11.75% at Prime 6.75%. 13 CFR 120.215 was removed in 2022 and no longer exists.
- SBA program pages and SOP 50 10 8: the SBA Express two-tier ceiling (Prime + 6.5% to $50,000, Prime + 4.5% above) and the 85% / 75% guaranty shares.
- SBA Information Notice 5000-872051 (FY2026 7(a) fees): the one-time guaranty fee of 2% / 3% / 3.5% on the guaranteed portion by loan size, 0.25% for short-term loans.
- SBA Federal Register Interest Rates notice FR 2026-13159: the Optional Peg 4.75% and the 504 statutory maximum of 6% over New York Prime.
- CDC and 504 debenture publishers (SomerCor, Growth Corp, TMC), July 2026 print: the fixed 504 effective rate 6.17% to 6.20% by term, about 5.9% for manufacturers, over a raw debenture near 5.0%.
- PeerSense 2026 SBA Lending Report and SBA FOIA analyses: the size-indexed realized 7(a) center, about 11.4% under $150,000 stepping down to about 9.2% at $2 million and above (single-vendor, directional).
Federal-regulatory and educational market data with full citations on file in substantiation/sba-pricing-2026-07.md. Not OpenQuote partner pricing, and not a quote.