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SAMPLE OF A 504 DEBENTURE AND FEE CALCULATION
Project Costs
Land/Building: $
Improvements: $
Equipment: $
Loan Costs: $
Project Cost:
First Mortgage @ 50%
504 Net Debenture @ %
(Decrease by 5% for start-up or special purpose)
Borrower's Injection @
10%
(Increase by 5% for start-up or special purpose)
Pricing The Debenture
Net Debenture From Above
SBA Fee @ 0%
Funding Fee @ .25%
Processing Fee @ 1.5%
Attorney's Fees
$2,500.00
Misc Loan Fees
$500.00
Underwriter Fee
Subtotal Of Fees
 
Gross Debenture
Rounded To
Back To Borrower
Term Interest Annual Payment Monthly Payment
Bank %
SBA %
Total

This is an example of an SBA 504 project. Fees and debentures may vary depending on loan size, maximum debenture limits, and fee percentages as approved by SBA. Actual fees will be set forth upon loan approval by SBA in the SBA Authorization and Loan Agreement. This does not constitute any approval or commitments on behalf of NWBDA or the SBA.
NWBDA will collect a 1% commitment fee from borrower at the time of application which will be reimbursed to borrower at closing of debenture. This fee will be fully refunded if the SBA declines the loan.
Effective Rates
July 2017

20 Year Rate: 4.766%
10 Year Rate: 4.497%

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