See which SBA loan saves you the most money for your project — total cost, fees, and monthly payment side by side at 2026 rates.
| Term | SBA 504 | SBA 7(a) |
|---|---|---|
| Effective interest rate (2026) | — | — |
| Monthly payment | — | — |
| Up-front fees | — | — |
| Down payment required | — | — |
| Total interest over term | — | — |
| Total cost (principal + interest + fees) | — | — |
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