AMOUNT
$50,000 – $350,000 (database range); actual program maximums go higher — up to $5M for 7(a) and $5.5M for 504 loans.
CAN YOU GET THIS?
YOUR REAL ODDS
Odds depend entirely on your lender and your financials — this is a loan program, not a competitive grant.
Because it's rolling and lender-driven, there's no application pool or selection committee — approval hinges on your credit profile, business plan, and the specific lender's standards. Stronger financials and collateral improve your chances.
WHAT IT TAKES
Find an SBA-certified lender using the Lender Match tool on SBA.gov 1–2 days
Prepare business financials, a business plan, and any collateral documentation your lender requires 1–2 weeks
Submit your loan application through the chosen lender and await underwriting 2–8 weeks depending on program and lender
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 — matching your loan type to your actual need will determine which lender you approach.
MORE LIKE THIS
Start Up Loans Scheme
£500–£25,000 (average £10,264); repaid over 1–5 years at a fixed 7.5% annual rate.
UK-based founders at idea stage or trading under 60 months can borrow up to £25,000 at a fixed 7.5% rate.
Kiva U.S. Small Business Microloan
$1,000–$15,000 loan, 0% interest, no fees, repaid over 12–36 months.
U.S. small business owners and early-stage founders can apply for a 0% interest, no-fee loan of up to $15,000 on a rolling basis.
Kiva U.S. Small Business Microloan
$1,000–$15,000, repaid over 12–36 months at 0% interest with no fees.
U.S. small business owners and early-stage founders can get a 0% interest loan up to $15,000 with no minimum credit score.
$50B+ in available capital across grants, VC funds, CDFIs, and accelerators. Filter by your industry, stage, and region, and see everything you qualify for.
Explore the funding database →
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