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U.S. Small Business Administration
SBA Community Advantage Loan Program
Amount
$50,000 – $350,000
Deadline
Rolling
Odds
Lender-determined, rolling
Effort
1 to 2 days
Can you get this?
✓Lender must evaluate, process, and service small business loans
✓7(a) lenders must be supervised by regulatory authority
✓CDC/504 lenders must be nonprofit corporations
✓Microloan lenders must be nonprofit or tribally-owned
✓Microloan lenders need one year lending experience
Your real odds
Your odds depend entirely on your lender and your financials, because this is a loan program, not a competitive grant.
Approval is rolling and lender-driven, so there is no application pool or selection committee. Your credit profile, business plan, collateral, and the specific lender's standards are what determine the outcome.
What it takes
Find an SBA-certified lender1 to 2 days
Prepare financials, business plan, and collateral docs1 to 2 weeks
Submit application and await underwriting2 to 8 weeks
Worth knowing
The three main programs differ significantly: 7(a) goes up to $5M for broad uses, 504 focuses on fixed assets like real estate and equipment, and Microloans cap at $50,000, so matching the loan type to your actual need determines which lender you approach.
What else do you qualify for?
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