{"citation":"$200,000 SBA loan: monthly payment, fees and programs. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/loan-amounts/200000-business-loan/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/loan-amounts/200000-business-loan/","title":"$200,000 SBA loan: monthly payment, fees and programs","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"WSJ Prime Rate, Federal Reserve series DPRIME via FRED","url":"https://fred.stlouisfed.org/series/DPRIME"},{"label":"13 CFR 120.214, variable interest rates","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SBA Information Notice 5000-881797, FY2027 7(a) fees","url":"https://legacy.sba.gov/document/information-notice-5000-881797-fy-2027-7a-program-fees"},{"label":"SOP 50 10 8.1, effective October 1, 2026","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"13 CFR 120.707, microloans","url":"https://www.ecfr.gov/current/title-13/section-120.707"}],"data":{"amount_dollars":200000,"sba_express_allowed":true,"seven_a_category":"7(a) Small","maximum_variable_rate_points_over_prime":6.0,"fee_basis":"FY2027 schedule, maturity over 12 months, loans approved October 1, 2026 through September 30, 2027","loans_near_this_size":{"window":"FY2024 through June 30, 2026","loans":5946,"loans_since_fy2020":12340,"near_range_dollars":[187083,223607],"loans_for_exactly_this_amount":3314,"median_loan_dollars":200000,"median_rate_at_approval_pct":10.25,"median_points_over_prime_at_approval":2.75,"median_term_months":120,"sba_express_or_export_express_share_pct":39.8,"line_of_credit_share_pct":31.0},"rows":[{"program":"7(a) Small","sba_guaranty_pct":75,"guaranteed_portion_dollars":150000,"upfront_fee_dollars":4500,"fee_pct_of_loan":2.25},{"program":"SBA Express","sba_guaranty_pct":50,"guaranteed_portion_dollars":100000,"upfront_fee_dollars":3000,"fee_pct_of_loan":1.5}]}}