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Permanent ongoing SBA loan program. No application deadline — apply through local intermediary lender at any time.
Microloan Program is sponsored by SMALL BUSINESS ADMINISTRATION. To assist entrepreneurs, business owners, and other individuals possessing the capability to operate successful business concerns and to assist small business concerns in those areas suffering from a lack of credit due to economic downturns. Under the Program, the Small Business Administration (SBA) makes loans or provide guaranties to private, non-profit, and quasi-governmental organizations (intermediary lenders) that utilizes the loan funds to make short-term, fixed interest rate microloans in amounts up to $50,000 to start-up, newly established, and growing small business concerns.
The Microloan Program is to be used exclusively for working capital, inventory, supplies, furniture, fixtures, machinery, and/or equipment. In addition, the SBA will make grants to participating intermediary lenders to provide marketing, management, and technical assistance to prospective borrowers and borrowers receiving microloans. Under the Program, SBA will also provide training for intermediary lenders participating in the Microloan Program. This listing is currently active. Program number: 59.046. Last updated on 2026-01-21.
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Or search similar grants →According to the current listing, eligibility includes: Small businesses and certain not-for-profit childcare centers. Microloans are available through SBA-approved nonprofit community-based intermediary lenders with experience in lending and management assistance. Each intermediary has its own lending and credit requirements. Confirm the full requirements in the official notice before applying.
The current listing shows up to $50,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
Yes — Microloan Program is offered by SMALL BUSINESS ADMINISTRATION and this listing comes from SAM.gov, an official U.S. federal source. Federal applications generally require registrations (for example SAM.gov or an agency submission portal), so allow extra lead time.
Yes — this listing is flagged as national in scope, so applicants across the U.S. may apply, subject to the sponsor's other eligibility criteria.
Applications go through the funder's official portal — the Apply Now link on this page goes there directly.
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