SBA EIDL Loan Calculator
FinanceCalculate your loan balance and monthly payment on an SBA Economic Injury Disaster Loan (EIDL), including the first-year interest deferment.
Monthly Payment (After Deferment)
Your fixed monthly payment once regular payments begin, amortizing the capitalized balance over the remaining term.
Balance After Deferment
$155,722.69
Your loan balance after the deferment period, with accrued interest capitalized into the principal.
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Frequently Asked Questions
How is an SBA EIDL loan payment calculated?
Interest accrues during the deferment period and is capitalized (added to principal) at the end of it. The resulting balance is then amortized as a standard fixed-payment loan over the remaining term.
What are typical SBA EIDL terms?
Standard SBA EIDL terms have historically included 3.75% interest for businesses (2.75% for nonprofits), up to a 30-year term, and a 12-month payment deferment -- confirm current program terms directly with the SBA, since disaster-loan programs are activated case by case.
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