What businesses like yours actually paid
Every SBA 7(a) loan is published by the government after it closes. Pick your industry and your number, and this shows what 24 industries actually closed at — and what the spread between the median and the cheap end costs you over the life of the loan.
Nothing is sent anywhere. These figures stay in this browser.
The difference between paying your industry’s median rate and the cheap end of the same programme. Same SBA guarantee, same paperwork — a different lender read the file.
$10,011 a month at 10.24%, against $8,727 at 7.05%.
Medians from the SBA’s own disclosure file, FY2025–FY2026 approvals (1 Oct 2024 – 30 Jun 2026). Level-payment amortisation. Your rate depends on your file — this is what businesses like yours actually closed at, not a quote. Every lender’s rate · What decides it in Accounting Firms
Send your file once and we take it to the end of that spread you qualify for. Free to find out.
Questions
What is the average SBA 7(a) interest rate?
The median SBA 7(a) loan closed at 10.00% across 118,868 loans approved in FY2025–FY2026 approvals (1 Oct 2024 – 30 Jun 2026). Half closed above that and half below. The middle 80% ran from 8.00% to 12.50%.
Why do two lenders quote the same SBA loan differently?
Because a credit box is a lender's own policy, not a market price. The same programme — same guarantee, same paperwork — priced from 7.05% to 13.25% depending on which lender read the file. Only 5 of 93 lenders doing real volume price under 8%.
Is this a quote?
No. It is what businesses in your industry actually closed at, from the government's own disclosure file. Your rate depends on your file — your coverage, your collateral, your tenure — and on which lender underwrites it.
Does using this affect my credit?
No. Nothing is sent anywhere and no credit is pulled. The figures you type stay in your browser.
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