Smaller balances

SBA Microloan

Smaller-dollar SBA financing for newer and growing businesses.

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SBA Microloans provide smaller amounts of capital — ideal for startups, newer businesses, and owners who need a modest amount to get moving. Delivered through nonprofit intermediaries, they're often more accessible than larger SBA loans.

Best for

Startups and newer businesses
Modest working-capital or equipment needs
Owners building toward a larger SBA loan later

Common uses

Working capital for a young business
Inventory and supplies
Furniture, fixtures, and equipment

What you'll need

For-profit US business
Often available to newer businesses
Repayment ability and owner credit reviewed

At a glance

Loan amount: Up to $50,000
Terms: Up to 7 years
Delivered via: Nonprofit intermediary lenders
Common use: Working capital, inventory, equipment

SBA Microloan questions

How much is an SBA Microloan?

Up to $50,000, with the average loan landing well below that. It's a fit when you need a modest amount rather than six or seven figures.

Can a startup get a Microloan?

Often yes — Microloans are frequently more accessible to newer businesses than larger SBA programs. Your specialist confirms eligibility.

Other SBA programs

See what you qualify for today.

One application, every option compared. No fee, no obligation, no credit impact.