Equity Anvil | SBA Debt Service Calculator

Purchase price ($) Buyer equity (%) WSJ Prime rate (%) Current WSJ Prime · Prime history (FRED) · 10-year Treasury rate (FRED) Spread over Prime (%) Total interest rate (%) Term (years) SDE ($) Owner/manager salary ($)

Finance SBA guarantee fee (3% of 75% guaranteed portion)

Default rate: WSJ Prime 7.00% + 3.75% spread = 10.75%.

Loan amount

Guarantee fee financed

Total financed

Monthly payment

Annual debt service

Cash flow available (SDE − salary)

DSCR

Lenders typically require DSCR ≥ 1.25x. Illustrative only; not a loan commitment.