GUARDIAN BUSINESS CONSULTING SERVICES
Loan Comparison Calculator
Compares total cash required and monthly debt service for an SBA 7(a) loan structure vs. a conventional financing package (CRE mortgage + equipment, inventory, and working capital loans), with cash needed projected over a 1–5 year period.
Project Funding Needs — Master Inputs
Enter the total financing need for each use of funds. These amounts auto-populate the Commercial Real Estate, Equipment Financing, Working Capital, Business Acquisition, and Debt Refinance loan amounts under Section 2, and their sum becomes the SBA 7(a) Loan Amount in Section 1. ★ For commercial renovations or construction, reach out for a personal analysis.
Total CRE financing need
$
Total equipment financing need
$
Total inventory financing need
$
Total working capital financing need
$
Total business acquisition financing need
$
Total debt refinance financing need
$
Section 1 — SBA 7(a) Loan
Borrower equity injection at closing (typically 10% of project cost)
$
Base 7(a) loan amount before fees are added — auto-calculated as Master Inputs total minus Cash Injection
$
Is Commercial Real Estate 51% or more of use of proceeds?
yrs
Current SBA 7(a) base rate (Prime + spread)
%
Auto-calculated from FY2026 SBA fee schedule based on loan amount & term — editable
$
Closing costs rolled into the loan balance
$
Closing costs paid out-of-pocket at closing
$
SBA 7(a) Loan — Estimated Monthly Payment (P&I)
$0.00
Section 2 — Conventional Loan Package
Rate Guidance — 650–679 FICO Borrower (Fair Credit, June 2026)
CRE Mortgage8.50% – 9.50%
Equipment Financing14.00% – 24.00%
Inventory Financing12.00% – 18.00%
Working Capital12.00% – 16.00%
Debt Refinance11.00% – 14.00%
A 650–679 FICO sits at the low end of conventional bank eligibility — expect pricing toward the higher end of the conventional range, or placement with a “B” lender / online lender. CRE: prime borrowers run 5.40%–8.75%, so this tier typically prices near the top of that band or slightly above. Equipment, inventory, and working capital rates above reflect fair-credit (640–679) bands from alternative and online lenders.
Rate Guidance — 680–719 FICO Borrower (Good Credit, June 2026)
CRE Mortgage6.50% – 8.00%
Equipment Financing8.50% – 11.50%
Inventory Financing9.00% – 13.00%
Working Capital10.00% – 13.00%
Debt Refinance9.00% – 12.00%
680–719 is the range where most conventional bank lenders open up. CRE pricing lands in the middle of the 5.40%–8.75% conventional band. Equipment, inventory, and working capital pricing reflects “good credit” tiers from banks and top-tier online lenders.
Rate Guidance — 720+ FICO Borrower (Prime/Excellent Credit, June 2026)
CRE Mortgage5.40% – 6.50%
Equipment Financing6.00% – 10.00%
Inventory Financing7.00% – 10.00%
Working Capital7.50% – 10.00%
Debt Refinance7.50% – 10.00%
720+ borrowers qualify for the lowest end of conventional pricing across the board, assuming strong cash flow and collateral. CRE rates near the bottom of the 5.40%–8.75% band; equipment, inventory, and working capital reflect prime-tier bank and online lender pricing.
Commercial Real Estate
Down Payment & Fees Guidance — 680–719 FICO (default)
Typical Down Payment15% – 25% (avg. 20%)
Typical Fees Not Financed0.5% – 1.5% (avg. 1%)
Good-credit borrowers see standard conventional CRE down payments, with most closing costs financeable into the loan.
Cash paid toward CRE purchase at closing
$
Amount financed before fees are added — auto-calculated as Commercial Real Estate Master Input minus Down Payment
$
Set per lender quote / FICO tier above
%
Amortization period in years
yrs
Lender/closing fees rolled into the CRE loan
$
Lender/closing fees paid out-of-pocket at closing
$
Commercial Real Estate — Estimated Monthly Payment (P&I)
$0.00
Equipment Financing
Term, Down Payment & Rate Guidance — 680–719 FICO (default)
Typical Term3 – 6 yrs (avg. 5 yrs)
Typical Down Payment5% – 15% (avg. 10%)
Typical Interest Rate8% – 12% (avg. 10%)
Good-credit borrowers qualify for standard 5-year equipment terms with a moderate down payment.
⚠ ENTER THE LOAN AMOUNT BELOW FIRST — THEN PRESS THIS BUTTON. IT WILL CALCULATE THE DOWN PAYMENT AND REDUCE THE LOAN AMOUNT TO THE FINANCED PORTION.
Equipment financed separately from CRE loan
$
Set per lender quote / FICO tier above
%
Amortization period in years
yrs
Out-of-pocket fees / down payment for equipment loan
$
Estimated Monthly Payment (P&I)
$0.00
Down Payment / Out-of-Pocket
$0.00
Inventory Financing
Term, Down Payment & Rate Guidance — 680–719 FICO (default)
Typical Term6 – 18 mo (avg. 12 mo)
Typical Out-of-Pocket25% – 40% of inventory
Typical Interest Rate9% – 13% (avg. 11%)
Lenders typically advance 60%–75% LTV on inventory for good-credit borrowers — the borrower covers the remainder as equity/out-of-pocket.
⚠ ENTER THE LOAN AMOUNT BELOW FIRST — THEN PRESS THIS BUTTON. IT WILL CALCULATE THE OUT-OF-POCKET AMOUNT AND REDUCE THE LOAN AMOUNT TO THE FINANCED PORTION.
Inventory financed separately from CRE loan
$
Set per lender quote / FICO tier above
%
Amortization period in years
yrs
Out-of-pocket fees / down payment for inventory loan
$
Estimated Monthly Payment (P&I)
$0.00
Down Payment / Out-of-Pocket
$0.00
Working Capital
Term, Down Payment & Rate Guidance — 680–719 FICO (default)
Typical Term9 – 18 mo (avg. 12 mo)
Typical Origination Fee2% – 4% (avg. 3%)
Typical Interest Rate9% – 14% (avg. 11.5%)
Standard working capital terms and origination fees for good-credit borrowers. Down payments are rare.
⚠ ENTER THE LOAN AMOUNT BELOW FIRST — THEN PRESS THIS BUTTON. IT WILL CALCULATE THE ORIGINATION FEE AND REDUCE THE LOAN AMOUNT TO THE FINANCED PORTION.
Working capital financed separately from CRE loan
$
Set per lender quote / FICO tier above
%
Amortization period in years
yrs
Out-of-pocket fees / down payment for working capital loan
$
Estimated Monthly Payment (P&I)
$0.00
Down Payment / Out-of-Pocket
$0.00
Business Acquisition
Term, Down Payment & Rate Guidance — 680–719 FICO (default)
Typical Term5 – 7 yrs (avg. 6 yrs)
Typical Down Payment20% – 30% (avg. 25%)
Typical Interest Rate10% – 13% (avg. 11.5%)
Good-credit borrowers see standard conventional acquisition terms with a moderate down payment against goodwill/enterprise value.
⚠ ENTER THE LOAN AMOUNT BELOW FIRST — THEN PRESS THIS BUTTON. IT WILL CALCULATE THE DOWN PAYMENT AND REDUCE THE LOAN AMOUNT TO THE FINANCED PORTION.
Acquisition financed separately from CRE loan
$
Set per lender quote / FICO tier above
%
Amortization period in years
yrs
Out-of-pocket fees / down payment for acquisition loan
$
Estimated Monthly Payment (P&I)
$0.00
Down Payment / Out-of-Pocket
$0.00
Debt Refinance
Term, Down Payment & Rate Guidance — 680–719 FICO (default)
Typical Term3 – 7 yrs (avg. 5 yrs)
Typical Down Payment0% – 5% (avg. 2%)
Typical Interest Rate9% – 12% (avg. 10.5%)
Good-credit borrowers refinance existing business debt at standard term-loan pricing with little to no equity injection required.
⚠ ENTER THE LOAN AMOUNT BELOW FIRST — THEN PRESS THIS BUTTON. IT WILL CALCULATE THE DOWN PAYMENT AND REDUCE THE LOAN AMOUNT TO THE FINANCED PORTION.
Refinanced debt financed separately from CRE loan
$
Set per lender quote / FICO tier above
%
Amortization period in years
yrs
Out-of-pocket fees / down payment for refinance loan
$
Estimated Monthly Payment (P&I)
$0.00
Down Payment / Out-of-Pocket
$0.00