Smaller balances
SBA Microloan
Smaller-dollar SBA financing for newer and growing businesses.
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.