Side-by-side comparison of four federal guaranteed loan programs: SBA 504, SBA 7(a), USDA Business & Industry (B&I), and SBA Express. Calculates maximum loan amounts, equity requirements, guarantee percentages, upfront and annual fee schedules, estimated interest rates, monthly payments, total borrowing costs, and (for 504) balloon payment exposure for each program simultaneously. Rate spreads are calibrated from FOIA loan-level data covering 10,351 approved loans in Q1 FY2026, with three borrower strength profiles (Strong, Typical, Higher Risk) that adjust spreads within SBA regulatory caps. Fee schedules reflect current fiscal year parameters per Federal Register 91 FR 11272 and SBA Notice 5000-872051. SBA 504 CDC rate displayed as all-in effective borrower cost (10-Yr Treasury + 0.55% note spread + ~1.13% CDC servicing / CSA / SBA annual fees); both note rate and effective rate shown in detail card. CDC fees vary by issuer (0.625% minimum, up to 1.0%+). SBA 504 first mortgage modeled as 10-year call / 25-year amortization (balloon) per SBA Form 2287 minimum-term requirements; fully amortizing alternative available for portfolio-lender scenarios. Market rates fed live from FRED (Federal Reserve Economic Data) via MMCG Cloudflare proxy with nightly auto-refresh. This tool provides estimates for comparison purposes only and does not constitute a loan offer or financial advice. Data current as of Q1 2026.