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All calculatorsMethodology

SBA 504 Financing Scenario Calculator

Model entered bank and CDC loan terms, borrower equity, financed and cash-paid fees, monthly cash flows and a bank balloon for an SBA 504 scenario.

Interactive calculator · Method SBA_504-1.0 · Last reviewed: 2026-11-05

Calculate your scenario

Base bank/CDC principal = project cost × entered share/100.

Your inputs

Try an example

Default worked example. Edit the inputs to calculate your scenario.

Default worked example

Base bank / CDC / borrower equity $500,000.00 / $400,000.00 / $100,000.00
Financed bank / CDC principal $500,000.00 / $400,000.00
Borrower cash at closing $100,000.00
Initial bank / CDC monthly loan payments $4,166.67 / $3,333.33
Initial combined payment including recurring fees $7,500.00
Bank balloon / total interest / entered fees $0.00 / $0.00 / $0.00

Independent fixed-rate monthly cash flows; scheduled loan payments $900,000.00 plus balloon $0.00 plus recurring fees $0.00. End balances after all scheduled payments and balloon: $0.00 / $0.00. Cash-paid fees enter closing cash; financed fees enter loan principal.

How to use the calculator

Enter shares totaling 100%, then independent fixed terms, fees and the first payment date. Financed fees increase the corresponding principal; cash-paid fees increase closing cash. Flat monthly fees stop with the associated loan.

What the result means

The example funding stack has $500,000 bank financing, $400,000 CDC financing and $100,000 borrower equity. At zero rates over 120 months it pays $7,500 per month before fees.

Formula and units

Base bank/CDC principal = project cost × entered share/100. Add only explicitly allocated financed fees. Each loan uses M = P r/(1−(1+r)^−n), or P/n at zero rate, with r = nominal annual rate/1200. Bank maturity repays its remaining balance as a separate balloon. Combine monthly dated loan payments and entered flat fees only while each loan remains active.

Worked examples

Illustrative 50/40/10 split with two zero-rate 120-month loans: Project cost: 1000000 USD; Bank funding share: 50 %; CDC share: 40 %; Borrower share: 10 %; First payment date: 2027-01-01 YYYY-MM-DD calendar date; Bank nominal annual rate: 0 %; Bank amortization: 120 months; Bank financed fees: 0 USD; Bank cash-paid fees: 0 USD; Bank monthly fee: 0 USD/month; CDC nominal annual rate: 0 %; CDC amortization: 120 months; CDC financed fees: 0 USD; CDC cash-paid fees: 0 USD; CDC monthly fee: 0 USD/month; Bank maturity: 120 months.
Example result: Base bank / CDC / borrower equity: $500,000.00 / $400,000.00 / $100,000.00; Financed bank / CDC principal: $500,000.00 / $400,000.00; Borrower cash at closing: $100,000.00; Initial bank / CDC monthly loan payments: $4,166.67 / $3,333.33; Initial combined payment including recurring fees: $7,500.00; Bank balloon / total interest / entered fees: $0.00 / $0.00 / $0.00.

Bank ends at 60 months while CDC continues: Project cost: 1000000 USD; Bank funding share: 50 %; CDC share: 40 %; Borrower share: 10 %; First payment date: 2027-01-01 YYYY-MM-DD calendar date; Bank nominal annual rate: 0 %; Bank amortization: 60 months; Bank financed fees: 0 USD; Bank cash-paid fees: 0 USD; Bank monthly fee: 0 USD/month; CDC nominal annual rate: 0 %; CDC amortization: 120 months; CDC financed fees: 0 USD; CDC cash-paid fees: 0 USD; CDC monthly fee: 0 USD/month; Bank maturity: 60 months.
Example result: Base bank / CDC / borrower equity: $500,000.00 / $400,000.00 / $100,000.00; Financed bank / CDC principal: $500,000.00 / $400,000.00; Borrower cash at closing: $100,000.00; Initial bank / CDC monthly loan payments: $8,333.33 / $3,333.33; Initial combined payment including recurring fees: $11,666.67; Bank balloon / total interest / entered fees: $0.00 / $0.00 / $0.00.

Limitations and common mistakes

The 50/40/10 split and all terms are illustrative entered scenarios. This is not an official SBA or CDC quote, eligibility determination, automatic fee schedule or claim that entered project costs qualify. Fixed nominal rates only; variable-rate scenarios are unsupported. Nominal rates differ from APR and effective borrowing cost. Calculations retain precision between monthly payments; actual lenders may round each installment differently. CDC fully amortizes; bank maturity cannot exceed its term. First-payment dates support years 1900–2100. First-payment day is retained, clamped to month end when necessary.

Multiplying the initial combined payment by the longer term even after one loan has ended, or including financed fees in closing cash a second time.

Sources and assumptions

Method SBA_504-1.0; last formula review 2026-11-05. Sources and their supported claims. Calculation methodology.

U.S. Small Business Administration: 504 loans. CDC and senior-lender financing form a program context, not a quote or qualification guarantee.