The SPEDCO SBA 504 Loan Calculator allows you to easily estimate monthly payments for an SBA 504 loan, allowing your customers to get a preview of the costs associated with their financing. SBA 504 loans are long-term, fixed-rate financing for owner-occupied commercial real estate, major machinery and equipment purchases.

Enter your project cost and loan rate to determine estimated monthly payments on both the bank and SBA portions of the loan. Adjust the loan terms and percentage of equity injection to recalculate monthly payment amounts. Then email the calculation to yourself, your customer or others for easy reference and follow-up.

SPEDCO is a non-profit certified development company whose mission is to help small businesses obtain financing for job creation and economic development. We are certified to do business with banks and their customers in Minnesota and nine counties in western Wisconsin (Barron, Buffalo, Dunn, La Crosse, Pepin, Pierce, Polk, St. Croix and Trempealeau).

Please note: The SPEDCO SBA 504 Loan Calculator is free to download, but your mobile carrier’s text messaging and web access charges may apply.