Calculate monthly payments, SBA guarantee fees, and total cost for an SBA 7(a) loan — the most popular small business loan program.
LendingTree connects you with SBA-approved lenders competing for your business. Compare rates in minutes — no commitment required.
Compare SBA Loan Rates at LendingTree →The SBA 7(a) program guarantees up to 85% of loans under $150K and 75% of larger loans. This reduces lender risk, enabling better rates than conventional business loans.
| Loan Amount | Max Spread Above Prime | Rate (Prime 8.5%) | Max Fixed Rate |
|---|---|---|---|
| ≤ $25,000 | +4.75% | 13.25% | 15.25% |
| $25,001 – $50,000 | +3.75% | 12.25% | 14.25% |
| $50,001 – $250,000 | +2.75% | 11.25% | 13.25% |
| > $250,000 | +2.75% | 11.25% | 13.25% |
Rates as of March 2026. Prime rate = 8.50%. Variable rate loans adjust with prime. Fixed rates are capped by SBA regulations. SBA.gov 7(a) program details →
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