SBA & EIDL
SBA Workout Payment Proposal Planner
Test a proposed SBA loan payment against business cash available for debt service.
How to use this calculator
- Gather loan balance; quoted rate; proposed terms; business cash available. Use documents covering the same date or period.
- Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
- Review payment scenarios; coverage; total cost. Open the breakdown and export a copy for discussion.
How the calculation works
The proposed balance amortizes at the entered annual rate over monthly payments. Cash remaining subtracts that payment from available cash. Total cash cost adds a separately paid fee.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Proposed monthly payment
- $2,426.55
- Cash after proposed payment
- $1,073.45
- Total repayment and costs
- $292,186.40
- Payment coverage
- 1.44×
Questions about the results
What does this tool include?
Test a proposed SBA loan payment against business cash available for debt service. The proposed balance amortizes at the entered annual rate over monthly payments. Cash remaining subtracts that payment from available cash. Total cash cost adds a separately paid fee.
What should I verify before relying on the result?
This does not determine eligibility for a servicing action or bind SBA or the lender. Include any approved capitalized charges in the balance.
What this result does and does not tell you
This does not determine eligibility for a servicing action or bind SBA or the lender. Include any approved capitalized charges in the balance.
Sources and reference material
Sources checked 2026-10-09. Verify rules and program terms for your actual transaction date.