SBA Microloan Program

Up to $50,000 (average ~$13,000); repaid over up to 7 years at roughly 8–13% interest.

Rolling — no fixed deadline; apply anytime through a local intermediary.

AMOUNT

Up to $50,000 (average ~$13,000); repaid over up to 7 years at roughly 8–13% interest.

AMOUNT

Up to $50,000 (average ~$13,000); repaid over up to 7 years at roughly 8–13% interest.

DEADLINE

Rolling — no fixed deadline; apply anytime through a local intermediary.

DEADLINE

Rolling — no fixed deadline; apply anytime through a local intermediary.

FUNDING TYPE

Grant, Loan

CAN YOU GET THIS?

Any small business or eligible nonprofit childcare center in the US can apply, but each lender sets its own credit requirements.

You'll generally need some form of collateral and a personal guarantee from the business owner. Specific requirements vary by the nonprofit intermediary lender you work with in your area.

YOUR REAL ODDS

The average loan issued is about $13,000, well below the $50,000 maximum, suggesting most approvals are modest in size.

Applications are rolling and processed by local nonprofit lenders, so competitiveness depends on your region and the specific intermediary. There is no single national approval pool.

WHAT IT TAKES

Find an SBA-approved microlender in your area using the SBA's lender directory — 1-2 days
Review that lender's specific credit and collateral requirements and gather documents — 1-2 weeks
Submit your application directly to the intermediary lender — 1 day

WORTH KNOWING

You cannot use microloan funds to pay existing debts or buy real estate. Plan your use of funds around working capital, inventory, supplies, equipment, or fixtures before applying.

Apply on the funder’s site →

SBA Microloan Program

Loans up to $50,000; average award is ~$13,000. Repaid over up to 7 years at 8–13% interest.

Small businesses and certain nonprofit childcare centers in the US can borrow up to $50,000 through nonprofit intermediary lenders.

New York State CDFI Revolving Loan Fund (Microloan)

Up to $25,000 per loan, one-time microloan.

New York small businesses with 100 or fewer employees can apply for microloans up to $25,000 through regional CDFI lenders.

AmPac Community Lending Program (CDFI Microloan)

$5,000–$350,000 in loans (SBA Microloan capped at $50,000; city partnership programs also up to $50,000); one-time per application.

California small businesses and startups can apply for loans from $5,000 to $350,000 on a rolling basis, with special programs for Black, Latino, and women-led businesses.

This is 1 of 1,600+ open opportunities.

$50B+ in available capital across grants, VC funds, CDFIs, and accelerators. Filter by your industry, stage, and region, and see everything you qualify for.

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