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$280,000 SBA 10-Year Business Loan Monthly Payment ($3,623/mo) & 1.25x DSCR Requirement

Calculate the exact monthly payment ($3,623/mo) and required annual EBITDA ($54,345/yr for 1.25x DSCR) on a $280,000 US SBA 7(a) or 504 commercial loan over 10 years.

🏢 US SBA Business Loan · Actuarial Reference
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2026 Statutory & Actuarial Executive Summary
$280,000 SBA Loan (10 Yrs @ 9.5% APR) ➔ Monthly Payment: $3,623/mo | Min EBITDA (1.25x DSCR): $54,345/yr

Calculate the exact monthly payment ($3,623/mo) and required annual EBITDA ($54,345/yr for 1.25x DSCR) on a $280,000 US SBA 7(a) or 504 commercial loan over 10 years.

📊 Detailed Calculation Breakdown & Benchmark Table

SBA Loan Principal Amount$280,000 USD
Amortization Term & Benchmark Rate10 Years (120 Months) @ 9.50% APR
Monthly Principal & Interest Payment$3,623 / month
Annual Debt Service Obligation$43,476 / year
Minimum Business EBITDA for 1.25x DSCR Approval$54,345 / year
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❓ Frequently Asked Questions (FAQ) & Optimization Strategies

Q1. What is the monthly payment on a $280,000 SBA business loan for 10 years?
At a 9.50% SBA rate over 10 years, the monthly principal and interest payment is $3,623 ($43,476 per year).
Q2. How much net cash flow (EBITDA) does my business need to qualify?
SBA Preferred Lenders require a minimum 1.25x Debt Service Coverage Ratio (DSCR), meaning your business needs at least $54,345/year in net operating income.

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