SBA 504 Calculator
Split an illustrative project into borrower equity, bank portion, and CDC portion.
What Does the SBA 504 Calculator Do?
The SBA 504 Calculator divides a project cost into an illustrative 10% borrower equity, 50% bank portion and 40% CDC portion, then estimates the payment on each portion at the rates you enter. It is a planning aid and does not determine eligibility.
SBA 504 Calculator
Illustrative EstimateNo partner account is needed to use this calculator. Add a name only if a banker, CPA or advisor referred you.
Have CMCC Review sends your contact details, any referring partner and this scenario to CMCC so a person can follow up. Please do not enter Social Security numbers, bank logins or other sensitive information.
Illustrative Results
Illustrative estimate only. The Chris Mafera Capital Corp. is a commercial financing advisory and brokerage firm, not a direct lender. This is not a financing offer, approval, or commitment.
Inputs, Results and Assumptions
What You Enter
- Project cost: the total project being financed.
- Bank rate % and CDC rate %: the rates to model for each portion.
- Term years: the repayment period used for both portions.
What the Results Show
- Borrower equity, bank portion and CDC portion in dollars.
- Bank payment and CDC payment: monthly principal and interest on each portion.
Assumptions and Limits
- The 10/50/40 split is an illustrative structure. Actual program requirements, fees and terms are set by the SBA, the certified development company (CDC) and the participating lender, and vary by project.
- Fees, closing costs and the separate terms real structures may use for each portion are not modeled.
- Both portions use the same term here.
The numbers pre-filled in the fields are sample values so the tool shows a result on first load. They are not CMCC rates, quotes or offers.
SBA 504 Calculator FAQs
What is the CDC portion?
In an SBA 504-style structure, a certified development company funds part of the project alongside a bank. This calculator models that second portion with its own rate.
Does the 10/50/40 split apply to every 504 project?
No. It is a common illustration. Equity requirements and portion sizes vary by project and program rules, so confirm current requirements with a qualified lender or CDC.
Can CMCC approve an SBA 504 loan?
No. CMCC is an advisory and brokerage firm, not a direct lender. See SBA financing for how CMCC helps business owners prepare and present a request.
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Have CMCC Review carries your inputs and results into the application. CMCC is a commercial finance advisory and brokerage firm, not a direct lender; independent funding providers make their own credit decisions.