Whether you’re a seasoned investor or a novice entrepreneur, commercial real estate rates will always be a focal point guiding your investment decisions.

This article will simplify commercial mortgage rates, shedding light on key points of consideration and practical strategies to optimize your investments.

Current commercial real estate rates.

As of February 2026, we're seeing rates that range from about 5.18% to 15%, depending on the asset type and specific circumstances of the loan.

Key elements of commercial real estate rates.

Commercial mortgage rates are determined based on a combination of market factors, property-specific factors, the stance of the lender and borrower, and the loan structure.

Market conditions

Overall market conditions play a role in determining commercial real estate rates. Several macroeconomic factors contribute to rate fluctuations.

Economic factors

Commercial mortgage rates are influenced by broader economic conditions, such as inflation, economic growth, and the overall health of the economy.

Interest rates

The general level of interest rates in the economy—often indicated by benchmark rates such as the prime rate, LIBOR (London Interbank Offered Rate), or the U.S. Treasury yields—can impact the rates offered by lenders.

It's important for borrowers to carefully consider these factors and work with lenders to secure the most favorable terms, based on their financial situation and the specific details of the commercial property transaction.

Property-specific factors

The nature of the property itself will significantly impact mortgage rates, namely property type and location will also impact your final rate.

Property type

Different types of commercial properties may have varying risk profiles, affecting the interest rates. For example, rates for office spaces might differ from those for industrial properties.

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Location

The location of the property can impact rates. Properties in high-demand or economically thriving areas may have lower rates compared to those in less desirable locations.

Borrower's creditworthiness

Your creditworthiness and general financial situation will impact your rate.

Credit score

The creditworthiness of the borrower is a crucial factor. Lenders assess the borrower's credit history, financial stability, and debt-to-income ratio to determine the risk associated with the loan.

Business financials

Lenders may also evaluate the financial health and performance of the business occupying the commercial property.

Loan-to-value (LTV) ratio

The loan-to-value (LTV) ratio is the percentage of the property’s value that you’re looking to finance with the loan.

If you’re looking for a high LTV ratio, it means you’re seeking to borrow a larger portion of the property’s value, which could present a higher risk to the lender. Because of this increased risk, you may find that higher LTV ratios are typically accompanied by higher commercial mortgage rates.

Loan term and amortization period

Rates will also vary based on the length of the loan and the repayment schedule.

Loan term

The length of the loan term can influence the interest rate. Shorter-term loans may have lower rates but higher monthly payments, while longer-term loans might have slightly higher rates but lower monthly payments.

Amortization period

The time it takes to repay the loan (i.e. the amortization period) can also impact the interest rate. A longer amortization period may result in a higher overall interest cost.

Lender's policies and competition

Every lender's rates are impacted by its investment portfolio and competition.

Lender policies

Each lender may have its own criteria and policies, impacting the rates they offer. Some lenders may specialize in certain property types or industries.

Competition

The competitive landscape among lenders can affect rates. Borrowers may get more favorable rates if lenders are competing for their business.

Fixed vs. variable rates

Commercial mortgage rates can be fixed (i.e. unchanging throughout the loan term) or variable (i.e. fluctuating based on market conditions). Fixed rates provide stability, while variable rates may offer initial cost savings but involve more risk. Borrowers should choose the type of rate that aligns with their financial goals and risk tolerance.

SBA 504 loan rates: An option for small businesses.

For entrepreneurs seeking to finance major fixed assets like real estate or equipment, the Small Business Administration's (SBA) 504 loan can be a great option. The SBA 504 loan is known for its competitive and predictable rates, making it a popular choice among borrowers.

Fixed-rate loans under this program are tied to U.S. Treasury bonds, which typically carry some of the market's best rates.

• The rates for SBA 504 loans are set when the SBA sells the bond to fund the loan. This means borrowers can lock in a low, long-term fixed rate, protecting their business from future interest rate increases. The 10-year Treasury rate as of February 2026 is around 4.20%.

It's also essential to understand that SBA 504 loan rates include two different loans—one from a Certified Development Company (CDC) and one from a bank or other financial institution.

• The CDC loan, which covers up to 40% of the total project cost, has a fixed interest rate.
• In contrast, the bank loan, covering 50% or more of the total project cost, can have a variable or fixed rate, depending on the specifics of the agreement.

Remember, despite these attractive rates, it's important to consider all aspects of your financial situation and business goals before deciding on a loan product. Consult with financial professionals to make sure you're making the best choice for your business.

Wrapping up

By familiarizing yourself with the primary elements that influence these rates, and keeping an eye on current market conditions, you’re already on the right path.

Whether you're considering a traditional commercial mortgage or exploring options like the SBA 504 loan, remember that the best choice will depend on your unique financial situation and business goals.

Yes, you can almost always get fast small business financing. Here are five small business loans that can fund in just 24 hours.

When your business needs a quick cash infusion to deal with unexpected expenses, seize growth opportunities, or meet urgent operational costs, fast business loans come to the rescue. These loans are designed for swift approval and funding—often within 24 hours—making them an ideal choice for situations where traditional loan processes may be too slow. 

This guide will walk you through the various options for a quick business loan, helping you make an informed decision that suits your business needs.

Fastest types of business loans.

Here are five quick business loans and other financing structures that provide fast approval times, as well as quick funding. The terms and repayment structures vary for each type of loan or financing, so take a look to see which might be the best option for your company.

1. Business term loan

A term loan is a lump sum of cash that is repaid with interest over a set period, typically ranging from one to 10 years. These loans are available through traditional banks, as well as alternative lenders and online platforms. The application process can take anywhere from a few days to several weeks, but certain lenders offer expedited application processing, approval and funding for those in need of fast business loans.

Individual lenders for business term loans will offer different terms, but these feature ranges are typical: 

• Loan amount: $1,000-$6 million
• Loan repayment term: 1-7 years
• Interest rate: 9.99% and up
• Funding time: As soon as same business day

Compare business term loan lenders.

2. Line of credit

A business line of credit is similar to a credit card. You have a credit limit you can draw upon at any time, and you pay interest only on the amount you draw. A line of credit can help cover short-term needs such as paying for inventory or seasonal changes in cash flow.

Features of a business line of credit can include:

• Loan amount: Up to $3 million
• Loan repayment term: 6-24 months
• Interest rate: 8% and up
• Funding time: As soon as same business day

Compare line of credit lenders.

3. Revenue-based financing

Revenue-based financing isn't a loan, but an advance based on future sales. This makes qualifying easier since the financing company considers revenue and sales more than your credit history. The repayment is an agreed-upon percentage of your income that comes directly from your bank account each day until your balance is repaid. This type of financing is ideal for companies with stable cash flow.

Features of revenue-based financing, also called a business cash advance, are as follows:

• Loan amount: Up to $2 million
• Loan repayment term: 3-36 months
• Factor rate: As low as 1.08
• Funding time: As soon as same business day

Compare revenue-based financing companies.

4. Equipment financing

Equipment financing is an excellent option for businesses that need to purchase or lease new equipment quickly. This type of loan covers a wide range of items like machinery, vehicles, office technology, and more. The equipment itself serves as collateral for the loan, which often results in more favorable terms, since the lender has a secure form of repayment. Depending on the lender, you might be able to finance up to 100% of the equipment cost.

Features of equipment financing are as follows:

• Loan amount: $5,000-$5,000,000
• Loan repayment term: 1-10 years
• Interest rate: 7.5% and up
• Funding time: As soon as same business day

Compare equipment financing companies.

5. Invoice factoring

Invoice factoring allows you to get paid faster for your outstanding invoices. With invoice factoring, the financier will purchase your invoice at a discounted rate, giving you a percentage of the money upfront. Then, after the customer pays the invoice in full to the funder, you receive the rest of the money, minus a fee. Funds from invoice factoring can be available as soon as the same day. Plus, the factoring company handles collecting payment from your customers, freeing up your time and resources for other areas of your business.

Features of invoice factoring are as follows:

• Loan amount: Up to 85% of invoice value
• Loan repayment term: Up to 1 year
• Factoring fee: As low as 3%
• Funding time: As soon as same business day

Compare invoice factoring companies.

When to get a fast business loan.

While speed to funds is one factor to consider when comparing business loan options, it’s important to compare multiple factors when selecting a business loan including the total cost of the loan and the maximum loan amount. In some cases, waiting a few more days or weeks will allow you to work with a lender who can offer more favorable terms.

Some common reasons to get a fast business loan include:

• Immediate working capital needs
• Unexpected business expenses
• You don’t qualify for a traditional bank or SBA loan

Fast Small Business Administration (SBA) loan options.

In some scenarios, the Small Business Administration (SBA) provides expedited loan options that offer both speed and beneficial terms, making them a worthwhile consideration for businesses in need of swift funding.

SBA Express Loans

An SBA Express Loan is a variant of the popular SBA 7(a) loan with a faster approval time. This expedited process, often within 36 hours, offers loan amounts up to $350,000.

Applying for an SBA 7(a) Small Loan with Lendio.

Lendio offers a convenient SBA loan application process. While it might take 30 to 90 days with your local bank, potential borrowers can complete an application and get a pre-approval within 24 hours, and after providing the required documentation, can get funded with a 7(a) small loan in fewer than 30 days.

How to get a fast business loan.

Follow these steps to obtain fast business funding:

1. Determine your needs - Understand the exact amount you require and the purpose of the loan. Make sure a fast business loan is the right choice for your needs.

2. Check your credit score - Lenders will consider your personal and business credit scores when determining approval and rates. Ensure your credit is in good standing to increase your chances of approval.

3. Gather necessary documents - This usually includes business and personal tax returns, bank statements, balance sheets, and a detailed business plan. Having these documents ready can speed up the process significantly.

4. Compare lenders - Different lenders offer different terms, requirements, and rates. Research and compare multiple lenders to find the one that best fits your needs.

5. Submit your application - Complete your loan application with your chosen lender. Be thorough and accurate to avoid unnecessary delays.

Remember, while fast business loans provide quick access to capital, they may come with higher rates and shorter repayment terms. Consider all your options and understand the terms before making a decision.

Pros and cons of fast business loans.

Just like any financial product, fast business loans come with their own set of benefits and drawbacks. Understanding these pros and cons can help you make a more informed decision.

Pros of fast business loans:

1. Quick access to capital - The most significant advantage of fast business loans is their speed. When your business needs funds immediately, these loans can provide cash within one business day, making them an ideal solution for emergencies.

2. Simple application process - Fast business loans typically have a straightforward online application process that can be completed within minutes, without the need for extensive paperwork.

3. Potential for approval with bad credit - Many fast business loan providers are more flexible with credit score requirements, which can be beneficial for businesses with a less-than-stellar credit history.

Cons of fast business loans

1. Higher rates - The convenience and speed of fast business loans often come at a cost. The rates can be significantly higher than those of traditional business loans.

2. Short repayment terms - Fast business loans usually must be repaid relatively quickly, often within a few months to a few years. This could potentially strain your cash flow.

3. Risk of debt cycle - If used improperly or over-relied upon, businesses may find themselves in a cycle of debt, taking out another loan to pay off the previous one.

Before applying for a fast business loan, weigh these pros and cons carefully. Consider how the repayment terms and rates will impact your business's cash flow and growth, and consult with a financial advisor if needed.

How to compare fast business loans.

When you're considering a fast business loan, it's all about striking the right balance between speed, terms, and cost. Here's how to navigate the maze and compare multiple options effectively.

Understand your urgency

Your first step is assessing the urgency of your financial needs. Do you require the funds within 24 hours, or can you wait a week or two? The urgency will narrow down your options and help you focus on lenders who can meet your timeline.

Know your numbers

Financial literacy is non-negotiable in the world of business funding. Calculate exactly how much you need, and more importantly, how much you can afford to repay. Use loan calculators and projections to understand the long-term impact of the loan.

Read the fine print

The devil is in the details. While speed is your priority, don't skim over the terms and conditions. Look for prepayment penalties, additional fees, and any other clauses that could affect your small business negatively.

Review the repayment terms

Fast business loans often come with shorter repayment terms. Ensure you can meet the daily, weekly, or monthly repayments without straining your cash flow. If you can't find a loan with terms that suit your business's financial rhythm, it may not be the loan for you.

Evaluate the total cost

The Annual Percentage Rate (APR) is a common benchmark for evaluating the total cost of a loan, especially for term loans, lines of credit and other traditional financing products.. The lower the APR, the cheaper the loan. However, APR isn’t the full story, and in many cases it may not be used. For example, some business financing products, like revenue-based financing or invoice factoring don’t charge interest. Instead, they use a factor rate or a fee-based model. Make sure you understand the fee structure for your loan, and also consider the application fees, processing fees, and any other costs that could push the total cost up.

Shop around

Don't settle for the first offer or even the third. Approach multiple lenders and use the competitive landscape to your advantage. You might find that you're eligible for lower rates or better terms than you initially thought.

Secure or unsecured?

Fast loans can be secured against your assets or unsecured, with no collateral required. While secured loans often have lower rates, unsecured loans are quicker and don't put your personal or business assets at risk.

Understand credit score repercussions

Applying for multiple loans can impact your credit score, so be strategic. If your credit score allows, consider pre-qualification offers that give you a rough idea of what you qualify for without a hard credit check.

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What are SBA loan interest rates?

SBA loan interest rates are the percentages lenders can charge borrowers for financing through SBA loan programs. Rates vary by loan type, loan amount, term, and whether the rate is fixed or variable.

What changed this month?

• The Prime rate (Wall Street Journal) remains unchanged from January.
• SBA 7(a) rate maximums remain unchanged.
• SBA interest rate structures and allowable spreads remain unchanged.
• SBA loan rates continue to reflect higher benchmark rates relative to historic lows.

Quick summary.

• SBA loan interest rates depend on base rate + lender markup, capped by SBA rules.
• The current prime base rate is 6.75%.
• SBA 7(a) rate maximums span 9.75% to 14.75% depending on loan size and term.
• Other programs (504, Microloan, Express) have different structures and caps.

SBA loan interest rate table - February 2026.

Base rate used: Wall Street Journal Prime Rate at 6.75%.

Other SBA program rates.

• SBA 504 loans: Fixed rates based on Treasury and spread (typically around 3%).
• SBA Microloans: Based on lender cost of funds (typically about 8-13%).
• SBA Express: Same caps as 7(a), with faster decisions.

How SBA interest rates are calculated.

1. Identify the relevant base rate. This is commonly Prime, but can also be the optional peg rate set quarterly by the SBA (currently 4.50%).
2. Determine loan type, size, and term.
3. Add the SBA’s allowable markup (subject to SBA maximum).
4. Final offered rate may be lower, based on lender and borrower credit.

Example scenarios (February 2026).

• $300,000 standard SBA 7(a) loan.
  
  • Fixed: up to 11.75% | Variable: Up to 9.75% (based on Prime.)
• $40,000 SBA 7(a) small loan.
  
  • Fixed: Up to 13.75% | Variable: Up to 13.25%

What impacts the rate you actually get.

• Your credit profile and business financials
• Whether the lender uses a fixed or variable structure
• Lender-specific spreads (below the SBA cap)
• The prime rate at the time of pricing

Note: Actual APR often includes fees and guarantee costs beyond the interest rate cap.

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SBA loan interest rates vs. other financing options.

Sources

• “U.S. Small Business Administration (SBA). Financial Transaction Analysis (FTA) Wiki – Downloads & Resources. Accessed January 2026.
• “U.S. Small Business Administration (SBA). Interest Rates: January 2026: New Maximum Allowable Fixed Rate for 7(a) Loans.
• “U.S. Small Business Administration (SBA). Interest Rates: January 2026: SBA Optional Peg Rates.
• “U.S. Small Business Administration (SBA). Interest Rates: January 2026: Wall Street Journal Prime Rates.

A business line of credit can offer valuable financial flexibility, helping companies manage payroll, inventory, marketing, or unexpected expenses. As a business grows, an existing credit limit may no longer align with day-to-day needs. When that happens, lenders often review whether the business is prepared to manage a higher credit limit. 

This review is typically based on overall credit readiness, or the financial, credit, and documentation factors lenders commonly evaluate when considering a credit line increase. Rather than focusing on a single number, lenders tend to look at patterns that help them assess risk and repayment capacity.

This guide walks through those common evaluation areas and how lenders think about readiness more broadly. Approval decisions and requirements vary by lender, and nothing here guarantees a specific outcome.

Why lenders evaluate credit line readiness.

Increasing a credit line exposes lenders to additional ongoing risk. Unlike term loans with fixed balances and repayment schedules, revolving credit requires lenders to consider not only whether a business can repay borrowed funds, but also how consistently and responsibly it manages access to capital over time.

Because of this, credit line increases are often reviewed separately from initial approvals. Lenders typically look for patterns that suggest financial stability, predictable cash flow, and responsible credit behavior before extending additional borrowing capacity. Strong readiness signals can also affect how efficiently a request is reviewed, though outcomes always vary by lender.

In practice, the evaluation tends to focus on a consistent set of readiness signals.

Key credit readiness signals lenders commonly review for a line of credit increase.

While approval criteria differ across institutions, lenders often assess readiness for a higher credit limit across several high-level categories:

• Business fundamentals: Lenders review operating history, industry stability, and overall business structure to understand baseline risk levels.
• Financial performance and cash flow: Revenue consistency, expense management, and cash flow patterns help lenders evaluate repayment capacity.
• Credit behavior and utilization: Payment history, and how existing revolving credit is used can signal financial discipline and risk management.
• Existing debt obligations: Current liabilities and repayment commitments provide context for overall leverage.
• Documentation completeness: Accurate, well-organized financial records support lender review and reduce uncertainty.‍
• Collateral or guarantees (when applicable): Some lenders may consider assets or personal guarantees, depending on credit structure and risk tolerance.

No single factor determines eligibility, and the relative importance of each category may vary by lender.

Business line of credit increase eligibility review.

To make these readiness factors easier to understand, the table below covers the common evaluation areas lenders review when considering a credit line increase. These categories reflect how lenders typically assess risk and repayment capacity for small businesses.

Lenders typically consider these areas together rather than isolation. The weight of each factor can also differ depending on the lender, credit product, and overall risk profile of the business.

Credit line increase readiness signals and common gaps lenders may notice.

When lenders review readiness for a higher credit limit, they often look for patterns that suggest how a business manages credit and cash flow over time. Some signals tend to support confidence in a review, while others may prompt additional questions.

Signals commonly associated with strong readiness include:

• A consistent history of on-time payments across existing credit accounts
• Predictable revenue and cash flow patterns over time
• Measured use of existing revolving credit, without frequent maxing out
• Clear, well-organized financial records that align across documents

Common gaps lenders may flag for closer review include:

• Irregular or highly volatile cash flow
• Persistent high utilization on existing credit lines
• Incomplete, inconsistent, or difficult-to-verify financial records
• Recent disruptions in credit history or repayment patterns

These signals are typically evaluated together, not in isolation, and their significance can vary depending on the lender, credit structure, and the broader financial context of the business.

Financial documentation lenders may review during a credit line increase.

Business financial documents give lenders insight into your company’s financial health, and each record or report plays an important role in the process. 

• Business bank statements: used to assess cash flow patterns, inflows and outflows, and day-to-day money management.
• Business tax returns: Provide confirmation of reported income and offer historical context for revenue trends.
• Profit and loss statements: Help lenders understand operating performance, expense structure, and profitability over time.
• Balance sheets: Outline assets, liabilities, and overall financial position at any given point in time.

Each of these records offers a different perspective on a business’s finances. Together, they help lenders evaluate repayment capacity and risk without relying on a single data point. Review expectations and documentation standards vary by lender, and not every document is requested in every situation.

How credit line increase reviews may vary.

There is no universal standard for evaluating credit line increase requests. While many lenders review similar readiness signals, criteria, documentation expectations and risk tolerance can differ based on the lender, the specific credit product, and broader market conditions.

Some lenders may place greater emphasis on operating history or cash flow patterns, while others focus more closely on credit behavior or overall leverage. Because of this, eligibility considerations and review practices are typically addressed in program-specific financing guides rather than defined by a single set of rules.

Considerations after a credit line increase.

Access to a higher credit limit can improve financial flexibility, but it may also introduce additional risk if not managed carefully. Lenders continue to monitor repayment behavior and utilization patterns over time. For this reason, many businesses consider how increased access to credit aligns with cash flow cycles, planned expenses, and longer-term financial stability.

SBA loan eligibility requirements are the baseline business, financial, and program criteria lenders evaluate when determining whether a small business may be eligible for an SBA loan program. These requirements are established by the U.S. Small Business Administration (SBA) and interpreted by participating SBA-approved lenders, which may apply additional underwriting standards.

Quick summary.

• SBA loan eligibility is based on program rules set by the U.S. Small Business Administration and applied by participating lenders. 
• SBA program rules are typically updated on an as-needed basis rather than on a fixed schedule.
• Lenders commonly evaluate business eligibility, financial health, credit profile and intended use of funds.
• Meeting eligibility requirements does not guarantee loan approval.
• Eligibility criteria and documentation expectations may vary by SBA loan program and lender.

Important note about this guide.

This guide is designed to help small business owners understand the general eligibility requirements SBA lenders commonly evaluate when reviewing SBA loan applications. While the SBA establishes baseline program rules, participating lenders may apply additional criteria based on the SBA loan program and the businesses' financial profile. 

Meeting these eligibility requirements covered in this guide does not guarantee approval, and standards may vary by lender and SBA loan type.

Because SBA loan eligibility requirements are updated periodically by the U.S. Small Business Administration, this page is reviewed and updated as new SBA guidance or program changes are released.

Core SBA loan eligibility requirements.

SBA lenders evaluate several core eligibility factors to determine whether a business is eligible for SBA-backed financing. While specific documentation and underwriting expectations can vary by lender and loan program, these categories represent the baseline eligibility considerations across SBA 7(a) and 504 loan programs.

Business eligibility and operating requirements.

Under SBA rules, an eligible business must meet all of the following operational criteria:

• Be an operating business. There are some exemptions for Eligible Passive Companies (EPCs), according to the use of the loan proceeds.
• Operate as a for-profit business that is legally registered and operating in compliance with applicable laws. 
• Be located in, primarily operating in the United States. If the business operates internationally, the loan proceeds can only be used for U.S. operations.
• Be authorized to do business in the state or territory where applying for a loan. 
• Meet the SBA’s definition of a small business, based on either industry-specific size standards or SBA alternative size standards. 

Use of loan proceeds

SBA loans have specific requirements around how funds may be used. To remain eligible, loan proceeds must be applied to allowable business purposes under SBA program guidelines.

Across SBA loan programs, eligible use of funds generally include:

• Acquiring, leasing or improving land
• Purchasing, converting, expanding, or renovating existing buildings
• Constructing new buildings
• Buying or leasing equipment or machinery

Lenders review the intended use of funds as part of the eligibility determination to confirm alignment with SBA rules. Uses of funds that fall outside SBA-eligible purposes may disqualify a loan from SBA backing. In addition, some programs, like the SBA 7(a) program, allow for more flexible use of funds, such as working capital, inventory, or business acquisition.

Industry eligibility and restricted activities.

The SBA restricts certain industries, business types, and activities from participating in SBA loan programs. Businesses that fall into these listed categories are generally not eligible for SBA financing.

A business is typically ineligible if it is:

• A nonprofit organization or government-owned entity.
• A lender or business engaged primarily in loan packaging, lending, investing, or financing
• An apartment building, mobile home park, or non-medical residential facility.
• A developer or landlord whose primary activity is leasing land or buildings.
• Engaged in the production or sale of marijuana products, except for qualifying hemp products that meet federal definitions.
• A religious organization, such as a church, synagogue, or mosque.
• A business that restricts patronage for reasons other than capacity (for example, a women’s-only health club)

Additionally, businesses are not eligible if they engage in activities such as:

• Political or lobbying activities
• Gambling
• Illegal activities
• Live adult performances or businesses involving prurient sexual content
• Pyramid or multi-level sales distribution plans

Some limited exceptions may apply under SBA rules, but these categories are generally excluded from SBA loan eligibility.

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Ownership, citizenship, and character requirements.

SBA eligibility rules require lenders to evaluate the ownership and character of individuals involved in the business to ensure accountability and compliance with federal standards.

To be eligible:

• As of the date of publication, all direct and indirect owners and guarantors must be:
  
  • U.S. citizens
  • U.S. nationals, or
  • Lawful permanent residents (“green card holders”)
• A business is ineligible if any owner or guarantor is considered to be an “Ineligible Person”, including:
  
  • Foreign nationals
  • Asylum seekers or refugees
  • Visa holders or nonimmigrant aliens
  • DACA recipients

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In addition, SBA rules require that:

• No owner may be incarcerated, on parole or probation, or under indictment for a felony or a crime involving moral turpitude
• The business must be current on all government debt obligations, including prior SBA loans
  The business must not have defaulted on federal debt that resulted in a loss to the government
  
• The business must be current on all federal, state, and local taxes, with required tax filings completed

Failure to meet these requirements generally disqualifies a business from SBA loan eligibility.

“Credit elsewhere” requirement.

SBA loans are subject to the SBA’s Credit Elsewhere requirement, which limits SBA financing to situations where comparable credit is not available on reasonable commercial terms from non-government sources. 

Under SBA rules, lenders must determine and certify that some or all of the requested financing is not reasonably available from:

• Conventional lenders or other non-government sources
• Personal liquidity of owners with 20% or more equity, including spouses and minor children. Certain personal funds may be excluded, such as reasonable reserves for medical, educational, or retirement needs.

Lenders must also document specific factors demonstrating credit weakness. Credit scores alone may not be used as the sole basis for determining whether credit is available elsewhere.

Financial capacity and repayment ability requirements.

Demonstrating the ability to repay the loan is a required component of SBA eligibility. SBA rules require lenders to assess whether the business has sufficient financial capacity to support loan repayment while maintaining ongoing operations.

This evaluation typically includes:

• Review of historical or projected revenue
• Existing debt obligations
• Credit history of owners, and when applicable, the business
• Overall cash flow sufficiency

While the SBA does not set universal financial thresholds, lenders must document repayment ability as part of every SBA loan evaluation.

SBA program-specific eligibility considerations.

While SBA 7(a) and SBA 504 loan programs share the same core eligibility framework, each program includes additional eligibility criteria and underwriting considerations based on how the loan is designed to be used.

The most common SBA loan programs differ in the types of businesses they serve, how loan proceeds may be used, and how lenders evaluate readiness beyond baseline eligibility.

SBA 7(a) loan eligibility considerations.

SBA 7(a) loans are the SBA’s most flexible program and are commonly used for working capital, equipment, business acquisition, and refinancing eligible debt.

In addition to core SBA eligibility requirements, lenders may evaluate:

• How loan proceeds will be used within 7(a) eligible purposes
• Business cash flow relative to requested loan terms
• Owner involvement and management structure
• Collateral availability, where applicable

To learn more about the SBA 7(a) loan program, including program-specific requirements, read our guide to the SBA 7(a) loan program.

SBA 504 loan eligibility considerations.

SBA 504 loans are designed for long-term financing of fixed assets, such as commercial real estate or major equipment.

Beyond core eligibility requirements, SBA 504 eligibility typically depends on:

• Use of proceeds tied to eligible fixed assets
• Job creation or public policy goals
• Project structure involving a Certified Development Company (CDC)

To learn more about the SBA 504 loan program, including program-specific requirements, read our guide to the SBA 504 loan program.

SBA Microloan eligibility considerations.

SBA Microloans are administered by nonprofit, community-based lenders and are intended for smaller financing needs.

In addition to SBA baseline eligibility, Microloan programs may place greater emphasis on:

• Business readiness and operational stability
• Borrower experience and management capacity
• Technical assistance or training participation

To learn more about the SBA Microloan program, including program-specific requirements, read our guide to the SBA Microloan program.

Eligibility vs. approval: Understanding the difference.

Meeting SBA loan eligibility requirements means a business meets the baseline criteria established by the U.S. Small Business Administration to be considered for SBA-backed financing. It does not mean a loan is approved or guaranteed.

After eligibility is established, SBA-approved lenders still evaluate additional factors, which may include:

• Loan structure and repayment terms
• Risk assessment and underwriting analysis
• Program-specific requirements
• Lender-specific credit and documentation standards

Approval decisions are made by individual lenders, not the SBA, and may vary even when two businesses meet the same eligibility requirements.

Insurance requirements (when applicable).

There are several cases where insurance may be required for an SBA loan, depending on collateral, loan structure, or business characteristics. These are typically addressed during underwriting or as a condition of loan approval.

The most common insurance requirement for SBA loans is hazard insurance when using commercial property or assets as collateral for your loan. These assets must be insured in the event of damage or loss. Learn more about SBA hazard insurance requirements here. 

In other cases, the SBA may require life insurance, particularly for sole proprietors, if the business is heavily reliant on one individual. In cases where the business has employees, proof of workers compensation coverage is frequently required.

You can learn more about the types of business insurance available in our guide, or explore a small business insurance quote with Lendio’s partner The Hartford to secure coverage that meets SBA insurance requirements. 

Sources

• U.S. Small Business Administration (SBA). SBA Standard Operating Procedure (SOP) 50 10 — Lender and Development Company Loan Programs. Version 8. Effective June 2025.
• U.S. Small Business Administration (SBA). Policy Notice 5000-876441 Update to SOP 50 10 8 — Citizenship and Residency Requirements and Recission of Procedural Notice 5000-872050. Last updated February 2 2026.
• U.S. Small Business Administration (SBA). 13 CFR 121.102 How does SBA establish size standards? Last updated June 2017.

Related resources

• SBA 7(a) Loan Program
  Learn how the SBA’s most flexible loan program works, including program-specific eligibility requirements, allowable uses of funds, and underwriting considerations.
• SBA 504 Loan Program
  Explore eligibility requirements and project structure for SBA 504 loans, which are designed for long-term financing of commercial real estate and major equipment.
• SBA Microloan Program
  Understand how SBA Microloans differ from other SBA programs and how nonprofit lenders evaluate eligibility and readiness for smaller loan amounts.
• SBA Hazard Insurance Requirements
  Learn when insurance may be required as part of an SBA loan and how insurance requirements are applied during underwriting or as a condition of approval.
• How to Apply for an SBA Loan
  Get an overview of the SBA loan process, including what lenders evaluate after eligibility is established and how approval decisions are made.

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Financing your business with an SBA loan can help you grow your business with long term, low interest financing. SBA loans are one of the most sought after forms of financing for small businesses, but come with their share of requirements to get approval. One of those lesser-known requirements is hazard insurance, particularly if you’re securing your loan with collateral such as commercial property or equipment.

What is hazard insurance?

Hazard insurance is a type of business property insurance that covers damage to the physical property caused by accidents, damage, weather, and some natural disaster-related incidents. Your specific insurance policy will outline “covered events”. These are the types of events that may occur and cause damage to your property. When that happens, your hazard insurance kicks in and covers the damage within the limits of your policy.

Most hazard insurance policies typically cover the following events that cause damage to the physical property, or significant business property inside such as furniture, equipment, tools, and inventory:

• Theft and vandalism
• Fire or explosions
• Weather and storm damage
• Vehicle damage
• Water damage (such as damage caused by burst pipes)

Hazard insurance doesn’t extend over every type of event. Typically, these types of events are not covered under a hazard insurance policy, and require additional coverage policies:

• Personal belongings
• Liability for the property
• Natural disasters, such as floods, earthquakes, and landslides
• Damage as a result of lack of maintenance, or maintenance issues

When is hazard insurance required?

Hazard insurance isn’t only required for business loans. The most common scenario when a hazard insurance policy is required is for a mortgage on a home. However, most lenders will require a hazard insurance policy on any property—personal or commercial—used to secure a loan, or on the commercial property you are financing with your loan. 

The reason why hazard insurance is required by lenders is straightforward. Your lender has a significant financial stake in your property or equipment. If that property is damaged or destroyed, hazard insurance means they can recoup their investment. Plus, it also protects you from the loss of what is undoubtedly an expensive purchase! 

This also applies to property or commercial equipment used as collateral. If your collateral is destroyed or damaged, lenders are exposed to risk if you default on your loan. With hazard insurance on the property, they can mitigate that risk.

Where do you get hazard insurance?

Hazard insurance, or commercial property insurance, is available through most insurance companies that cover small businesses. For example, Lendio’s partner The Hartford offers commercial property insurance policies individually, or bundled within a larger Business Owners Policy to offer essential coverage to small businesses.

SBA hazard insurance requirements.

Like most lender policies on hazard insurance, the SBA hazard insurance requirement applies to property that is used as collateral. Most SBA loans, including 7(a) and 504 loans, require some type of collateral in order to be approved. 

Because it’s used as collateral, the property must be properly insured. That way, if there’s any damage done that’s out of your control, the building can be repaired or replaced and still maintain its value.

Here’s the breakdown on hazard insurance requirements for each type of SBA loan:

Hazard insurance vs. other insurance policies.

Hazard insurance is often confused for other types of business insurance. And, not all insurance companies refer to property insurance as hazard insurance. Instead, they may call it commercial property insurance. Here are some other types of small business insurance to know as you look for coverage required by the SBA.

Commercial Property Insurance

Commercial property insurance is the same thing as hazard insurance. Any covered events provide reimbursement for building repairs, as well as damaged items within the building. With this type of insurance, you would need to file a claim for your business. Then an insurance adjuster would assess the damage and provide you with reimbursement accordingly.

Flood insurance

Anytime your commercial property is located in a flood zone and used as SBA loan collateral, you’ll need a flood insurance policy as well. That’s because damage caused by flooding is not typically included in most hazard or property insurance policies. 

To see if you need flood insurance, first visit FEMA’s online flood map tool to see if your property’s address is located in a flood zone, and then check your need for insurance when you apply for an SBA loan. If you do, you will need to pay an extra premium, but it will be worth the investment, if you’re in an area at risk of flooding. 

Earthquake insurance

Similar to floods, earthquake damage is not covered in most hazard insurance policies, but is instead covered under a specialized insurance. This insurance is usually optional, unless your business is located in a high-risk zone, such as near a fault line.

You can check whether you’re located near a fault line with the U.S. Geological Survey’s interactive map and speak to your insurance agent to learn more.

Business interruption insurance

While a hazard insurance policy protects your commercial property from physical damage caused by hazards, it doesn’t usually cover business interruption, or lost income due to being unable to operate due to a covered hazard. This type of insurance can be a separate policy, or in some cases, added onto your hazard insurance policy.

General liability insurance

As mentioned before, hazard insurance doesn’t cover liability. This is a separate policy, called general liability insurance, which covers bodily injury, legal defense, and property damage to others, not your own property.

Limitations of hazard insurance.

Hazard insurance policies don’t give your business an automatic blank check when a covered event occurs. Each policy comes with a coverage limit for both the building and the property within. So it’s important to get a policy large enough to cover a worst-case scenario, such as a total loss.

Your hazard insurance policy will also come with a deductible—the amount you’re responsible to pay before your coverage kicks in.

Satisfying your SBA lender’s hazard insurance requirements.

When you apply for an SBA loan, your lender has to confirm that you carry the right hazard insurance on any assets pledged as collateral. Here’s what that means in practice, and what you need to do to stay compliant.

1. Make sure you’re insuring the right assets.

For SBA 7(a) and 504 loans over $50,000, hazard insurance is required on:

• Any real estate pledged as collateral
• Any business personal property used as collateral (equipment, inventory, fixtures, etc.)

If the property cannot be insured, the SBA will not allow the loan to be approved. This is why lenders almost always ask for proof of hazard insurance early in the process.

2. Verify you have enough coverage.

The SBA requires coverage, or replacement cost, at:

• Full replacement cost whenever possible
• Maximum insurable value if a full-replacement policy isn’t available.

This ensures the lender’s collateral can be completely restored after a covered loss.

 3. Add the required lender clauses to your policy.

This is one of the most important steps, and easy to overlook. Depending on what your collateral is, you’ll need to add the following:

• If the collateral is real estate - Your policy must have a Mortgagee Clause naming the SBA lender for 7(a) loans, or CDC/SBA for 504 loans.
• If the collateral is business personal property - Your policy must have a Lender’s Loss Payable Clause, naming the SBA lender for 7(a) loans, or CDC/SBA for 504 loans.

These clauses essentially say:

• The lender's interest cannot be invalidated by the borrower’s actions
• The insurer must give the lender at least 10 days written notice before cancelling the policy. 

4. Secure any additional hazard-related policies required

Some states or localities require separate policies for things like:

• Wind or hail
• Earthquakes
• Named storms

If your business is in one of these states, the SBA requires you to carry those additional policies. If your property also is in a FEMA-designated Special Flood Hazard Area, you’ll also need to secure flood insurance to move forward with your loan.

5. Provide proof of insurance to your lender.

Lenders will typically require a declaration page listing coverage amounts, evidence of the required clauses naming the lender, contact information for the insurance provider, and confirmation of policy dates. 

6. Maintain your coverage throughout the life of the loan.

The hazard insurance requirement doesn’t end once your SBA loan closes. You must:

• Keep the policy active
• Keep the required lender clauses in place
• Notify the lender if you switch carriers
• Maintain replacement cost or maximum insurable coverage

Lenders may periodically ask for updated proof of insurance, so keep these documents on hand to provide your lender with current copies.

Getting proper hazard insurance is just one step in obtaining an SBA loan. Lendio’s team of experts can help you throughout the entire process. Apply for an SBA loan now!

An SBA guarantee fee is a program-level fee charged on certain SBA loans to offset the cost of the U.S. Small Business Administration guaranteeing a portion of the loan. While the fee is assessed to the lender, SBA rules allow lenders to pass this cost on to the borrower. The fee applies only to the portion of the loan guaranteed by the SBA, not the total loan amount.

What changed for SBA guarantee fees in FY 2026.

The U.S. Small Business Administration updated SBA loan fee structures for Fiscal Year 2026, with changes that affect both the SBA 7(a) and 504 loan programs.

Key FY 2026 updates include:

• SBA 7(a) guarantee fees remain largely unchanged from prior guidance, with upfront fees continuing to vary based on loan size and loan maturity.
• New for FY 2026: SBA introduced full fee waivers for qualifying manufacturer loans (NAICS sectors 31-33) under the SBA 504 program, eliminating both the upfront guarantee fee and the annual service fee for these borrowers.
• SBA 504 fees were reinstated for most non-manufacturer loans, introducing both an upfront guarantee fee and an annual service fee for FY 2026.
• SBA 504 Debt Refinance without Expansion loans now include a supplemental annual service fee when issued to non-manufacturer borrowers.

These changes apply to loans approved between October 1, 2025 and September 30, 2026, unless additional SBA program guidance is issued.

Quick summary.

• SBA guarantee fees are upfront program fees associated with SBA-guaranteed loans.
• SBA guarantee fees apply to SBA 7(a) and SBA 504 loans, but not to SBA Microloans.
• The fee is calculated as a percentage of the SBA-guaranteed portion of the loan, not the full loan amount.
• Fee amounts vary based on loan size, loan term, and SBA program type.
• New for FY 2026: qualifying manufacturer loans (NAICS sectors 31–33) under the SBA 504 program are eligible for full waivers of both the upfront guarantee fee and the annual service fee.
• The SBA publishes annual updates to lender fees, including the guarantee fee, for the following fiscal year.

The fee rates shown on this page reflect FY 2026 SBA guidance, effective for loans approved October 1, 2025 - September 30, 2026.

SBA 7(a) guarantee fees: Fiscal year 2026.

The SBA guarantee fee applies only to the SBA-guaranteed portion of the loan, not the total approved loan amount. Fees vary based on loan size and maturity and are established annually by the U.S. Small Business Administration.

SBA 7(a) guarantee fees: Loans with a maturity of 12 months or less.

SBA 7(a) guarantee fees: Loans with a maturity of more than 12 months.

Special SBA 7(a) programs.

SBA Express Loans (Veteran-Owned Businesses)

For SBA Express loans made to businesses owned and controlled by a veteran or the spouse of a veteran, the upfront SBA guarantee fee is 0%, in accordance with Section 7(a)(31)(G) of the Small Business Act.

Export Working Capital Program (EWCP) guarantee fees

EWCP loans have a separate upfront guarantee fee structure based on loan maturity.

SBA 504 guarantee Fees: Fiscal Year 2026.

SBA 504 loan fees are established annually by the U.S. Small Business Administration and apply only to the CDC (SBA-backed) portion of the loan. Fee treatment varies by borrower type and 504 program option.

SBA 504 fees: Loans approved October 1, 2025 through September 30, 2026.

Manufacturer loans (NAICS Sector 31-33)

For SBA 504 loans approved in FY 2026 to qualifying manufacturers, the SBA has waived both the upfront guarantee fee and the annual service fee.

This waiver applies to:

• Standard SBA 504 loans
• 504 Debt Refinance with Expansion
• 504 Debt Refinance without Expansion

All other SBA 504 loans (excluding Debt Refinance without Expansion)

For SBA 504 loans approved in FY 2026 that are not manufacturer loans and not part of the Debt Refinance Without Expansion program, the following fees apply:

SBA 504 Debt Refinance Without Expansion (Non-Manufacturer loans)

For SBA 504 loans approved in FY 2026 under the Debt Refinance Without Expansion program, and not made to manufacturers, the SBA applies an additional supplemental annual fee.

Important context for SBA 504 fees.

• SBA 504 fees apply only to the CDC portion of the loan, not the bank or borrower equity portion.
• The upfront guarantee fee is assessed once at loan funding.
• The annual service fee is assessed on the outstanding CDC loan balance over time.
• Fee waivers and supplemental fees are determined by borrower classification and program type, not by lender discretion.

How SBA guarantee fees are calculated.

SBA guarantee fees are calculated based on the portion of the loan guaranteed by the SBA, not the total approved loan amount. The exact fee depends on the SBA loan program, loan size, and loan maturity.

Step 1: Identify the SBA-guaranteed portion.

Each SBA loan program guarantees only a portion of the total loan amount. For example, SBA 7(a) loans are typically guaranteed at 75% or 85%, depending on loan size, while SBA 504 loans apply fees only to the CDC (SBA-backed) portion of the loan.

Step 2: Apply the applicable fee rate.

The SBA publishes guarantee fee rates annually by fiscal year. The appropriate rate is applied to the guaranteed portion of the loan based on:

• Loan program (7(a), 504, EWCP, or Express)
• Loan amount tier
• Loan maturity (12 months or less vs. more than 12 months)
• Borrower classification or program option, where applicable (such as manufacturer status for certain 504 loans)

Step 3: Distinguish upfront vs. ongoing fees.

• Upfront guarantee fees are assessed once, typically at loan approval or funding.
  Annual service fees, when applicable (such as for SBA 504 loans in FY 2026), are assessed on the outstanding guaranteed balance over time and are separate from the upfront guarantee fee.

Important calculation notes

• SBA guarantee fees are not calculated on the full loan amount.
• Fee rates are set by fiscal year, not by lender discretion.
• Certain SBA programs and borrower categories may qualify for fee waivers or modified fee structures based on SBA guidance.

For questions about how SBA guarantee fees apply to a specific loan structure, lenders typically rely on official guidance issued by the U.S. Small Business Administration.

Example SBA guarantee fee calculations (FY 2026).

Note: These examples are for illustration only. Actual fees depend on SBA program rules, the SBA-guaranteed portion, loan structure, and any applicable waivers or program options.

Example 1: SBA 7(a) loan under $150,000, (maturity more than 12 months).

Scenario

• Loan amount: $100,000
• SBA guarantee: 85%
• FY 2026 upfront fee rate: 2% of the guaranteed portion

Calculation

• Guaranteed portion: $100,000 × 85% = $85,000
• Upfront guarantee fee: $85,000 × 2% = $1,700

Example upfront guarantee fee: $1,700

Example 2: SBA 7(a) loan over $700,000 (maturity over 12 months).

Scenario

• Loan amount: $2,000,000
• SBA guarantee: 75%
• FY 2026 fee structure:
  
  • 3.5% of the guaranteed portion up to $1,000,000
  • 3.75% of the guaranteed portion over $1,000,000

Calculation

• Guaranteed portion: $2,000,000 × 75% = $1,500,000
• First $1,000,000 × 3.5% = $35,000
• Remaining $500,000 × 3.75% = $18,750

Example upfront guarantee fee: $53,750

Example 3: SBA 504 loan (manufacturer), FY 2026.

Scenario

• CDC (SBA-backed) portion: $1,200,000
• Borrower qualifies as a manufacturer (NAICS sectors 31–33)

FY 2026 treatment

• Upfront SBA guarantee fee: waived
• SBA annual service fee: waived

Example SBA fees:$0 upfront, $0 annual service fee

Important FY 2026 SBA guarantee fee rules for 7(a).

These rules affect how upfront guarantee fees are applied in certain scenarios under the SBA 7(a) program for FY 2026.

Multiple 7(a) loans approved within 90 days.

In many cases, if two or more SBA 7(a) loans (with maturities over 12 months) are approved for the same borrower (including affiliates) within 90 days, the SBA treats them as one combined loan for purposes of determining:

• The SBA guaranty percentage, and
• The applicable upfront guarantee fee tier

Note: This treatment may differ when one of the loans is a Working Capital Program (WCP) loan or an Export Working Capital Program (EWCP) loan.

Special treatment when WCP or EWCP loans are involved.

When one or more loans in the 90-day window is a WCP or EWCP loan, SBA rules may:

• Combine loan amounts to evaluate eligibility for certain fee relief (such as manufacturer-related relief), but
• Treat WCP/EWCP loans separately for upfront fee calculation, since those fees are based on maturity terms outlined for those programs

Extending a short-term 7(a) loan beyond 12 months.

If a short-term SBA 7(a) loan (12 months or less) is later extended to a maturity over 12 months, an additional upfront guarantee fee may be due based on the revised maturity.

Increasing a 7(a) loan after approval.

If an SBA 7(a) loan is increased, an additional upfront guarantee fee may apply to the increased amount. In FY 2026 guidance, the additional fee is generally determined by:

• The fee rules in effect at the time the loan was originally approved, and
• What the total upfront fee would have been if the increase had been part of the original loan amount (minus any upfront fee already paid)

Fee avoidance restrictions.

SBA rules prohibit structuring or splitting loans for the purpose of avoiding upfront guarantee fees. These rules apply even if loans are approved by different lenders.

Sources

• U.S. Small Business Administration (SBA). SBA Standard Operating Procedure (SOP) 50 10 8 - Lender and Development Company Loan Programs. Last updated June 2025.
• U.S. Small Business Administration (SBA). SBA Information Notice - 7(a) Fees Effective October 1, 2025 for Fiscal Year 2026 and 90-Day Rule Clarification. Effective August 28, 2025.
• U.S. Small Business Administration (SBA). SBA Information Notice - 504 Fees for Fiscal Year 2026. Effective August 28, 2025.

SBA loan maximums are the highest loan amounts allowed under each U.S. Small Business Administration loan program. These limits are set by the SBA and vary by program type, loan purpose, and structure, helping ensure borrowers are not over-leveraged while providing access to affordable financing.

Current as of January 2026

SBA loan maximum amounts are established by the U.S. Small Business Administration and do not change on a regular schedule. As of this update, there have been no changes to SBA loan maximum limits for the 7(a), 504, or Microloan programs.

Quick summary: SBA loan limits at a glance.

• The maximum SBA 7(a) loan amount is $5 million.
• SBA 504 loans support projects with SBA-backed portions up to $5.5 million.
• SBA Microloans are capped at $50,000.
• Actual loan size depends on program structure and use of proceeds.
• Most businesses qualify for less than the maximum allowed amount.

SBA loan maximums by program.

SBA 7(a) loan program maximum loan amounts by loan type.

The SBA 7(a) loan program has a maximum loan amount of $5,000,000. This cap applies to the total loan amount, regardless of how funds are used, and represents the highest amount the SBA will support under the 7(a) program.

Within the SBA 7(a) program, the SBA offers several loan types designed for different financing needs. These types don’t change the overall program maximum, but some have lower loan size limits, or different SBA guarantee levels.

SBA 504 loan program maximum loan amounts by project type.

The SBA 504 loan program has a maximum loan amount of $5,500,000. This cap applies to the highest amount the SBA will support under the 504 program.

The nature of the specific 504 project influences what the loan limit will be for the SBA’s portion.

SBA Microloan program maximum loan amount.

The SBA offers a microloan program designed specifically to aid small businesses and non-profit childcare centers in need of small-scale financing. This program caters to businesses that require smaller amounts of funding than offered under the larger SBA loan programs.

Microloans are distributed to borrowers through intermediary lenders, and the SBA microloan loan limit is $50,000. The average loan awarded tends to be around $13,000.

How SBA loan maximums are set.

SBA loan maximums are established by the U.S. Small Business Administration and are designed to balance access to capital for small businesses with responsible risk management. These limits are not based on individual borrower qualifications, but on program-level policy decisions set at the federal level. The limits are defined in official SBA program guidance and Standard Operating Procedures (SOPs.) These limits apply nationwide and are not adjusted based on industry, location, or lender preference.

The maximums represent the upper limits allowed under each program, not the amount a business will qualify for. Actual loan size depends on factors such as cash flow, credit profile, use of proceeds, and lender underwriting standards.

Sources

The information in this article is based on official guidance and program rules published by the U.S. Small Business Administration and is intended to explain general SBA loan term limits and structural requirements.

• U.S. Small Business Administration (SBA). SBA Standard Operating Procedure (SOP) 50 10 8 - Lender and Development Company Loan Programs. Last updated June 2025.
• U.S. Small Business Administration (SBA). SBA Standard Operating Procedure (SOP) 52 00 B - Microloan Program. Last updated June 2018.‍
• U.S. Small Business Administration (SBA).SBA Standard Operating Procedure (SOP) 50 10, Appendix 13 - 7(a) Manufacturers' Access to Revolving Credit (MARC). Last updated October 2025.

Related Resources

• SBA Loan Interest Rates (updated monthly)
• SBA Loan Eligibility Requirements
• SBA Loan Terms and Duration