SBA Microloans
SBA microloan programs can serve smaller financing needs, but availability, use of funds, and underwriting vary by participating intermediary.
Smaller Capital Can Still Move a Business Forward.
SBA microloans are made through approved intermediaries for smaller eligible business needs. Intermediaries establish their own credit and application requirements.
Find an approved intermediary serving the business.
Ask about preparation support and the intermediary's application requirements.
Bring the specifics.
- Business budget and repayment plan
- Permitted use-of-proceeds breakdown
Keep an eye on
- Microloan proceeds cannot buy real estate or pay existing debt.
- Verify the current program requirements and lender terms for the specific transaction.
Work through the assumptions.
Capital route finder
Start with the purpose. Explore relevant capital lanes.
Explore ON THIS SITEFunding readiness
Identify strengths, constraints and the next document to prepare.
Explore DISTILLED / TOOLSLoan payment tools
Explore payment, term and total-cost scenarios in the Tools directory.
Open the tool directoryKeep these on the shortlist.
Capital is one part
of the plan.
A question worth asking.
Are all intermediary requirements identical?
No. Each intermediary sets its own lending and credit requirements within the program.
A specific need deserves a specific plan.
Start with your profile. Understand the tradeoffs. Prepare a clear request.