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U.S. Small Business Administration (SBA)
SBA 7(a) Loan Program
Amount
Up to $5,000,000
Deadline
Rolling
Odds
Not published
Effort
1 to 2 hrs
Can you get this?
✓Business must be operating and for-profit
✓Must be located in the U.S.
✓Must meet SBA small business size standards
✓Cannot obtain credit elsewhere on reasonable terms
✓Must be creditworthy with ability to repay
Your real odds
There is no application cap and the program rolls continuously, but your approval lives or dies on a lender's creditworthiness review.
The SBA guarantees the loan rather than issuing it directly, so your lender makes the credit decision. A weak credit history or an inability to show repayment capacity gets you denied regardless of other factors.
What it takes
Check eligibility and SBA size standards1 to 2 hrs
Find a lender via Lender MatchA few days
Gather and submit documents with your lender1 to 4 weeks
Worth knowing
You apply through a participating lender, not through the SBA itself, and that lender controls the process and the required documents, so choosing one with real 7(a) experience can meaningfully speed up your approval.
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