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Find similar grantsSBA 504 Loan Program is sponsored by U.S. Small Business Administration. Offers long-term, fixed-rate financing for major fixed assets that promote business growth and job creation.
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Loans | U.S. Small Business Administration Find out which SBA-guaranteed loan program is best for your business, then use Lender Match to be matched to lenders. How SBA helps small businesses get loans The U.S. Small Business Administration (SBA) helps small businesses get funding by setting guidelines for loans and reducing lender risk. These SBA-backed loans make it easier for small businesses to get the funding they need.
To get an SBA-backed loan: Read on to see the kinds of loans available Enter basic information about what you’re looking for on Lender Match Create an account to start talking to interested lenders Lenders will approve and help you manage your loan SBA only makes direct loans in the case of businesses and homeowners recovering from a declared disaster . Already have an SBA loan? Find out how to make a payment .
SBA partners with lenders to help increase small business access to loans SBA's primary program for providing long-term financing for a variety of purposes. 7(a) loans are delivered by SBA 7(a) lenders. Fund or grow your small business Long-term, fixed-rate financing available through mission-oriented, community-based SBA Certified Development Companies.
Finance your business's growth Loans of $50,000 or less to help businesses and certain non-profit childcare centers. Microloans are provided by intermediary lenders. Get funding for small improvements Benefits of SBA-guaranteed loans Competitive terms: SBA-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans.
Counseling and education: Some loans come with continued support to help you start and run your business. Unique benefits: Lower down payments, flexible overhead requirements, and no collateral needed for some loans. Get $500 to $5.
5 million to fund your business Loans guaranteed by SBA range from small to large and can be used for most business purposes, including long-term fixed assets and operating capital. Some loan programs set restrictions on how you can use the funds, so check with an SBA-approved lender when requesting a loan. Your lender can match you with the right loan for your business needs.
Like seasonal financing, export loans, revolving credit, and refinanced business debt. Like furniture, real estate, machinery, equipment, construction, and remodeling. Lenders and loan programs have unique eligibility requirements.
In general, eligibility is based on what a business does to receive its income, the character of its ownership, and where the business operates. Normally, businesses must meet SBA size standards , be able to repay, and have a sound business purpose. Even those with bad credit may qualify for startup funding.
The lender will provide you with a full list of eligibility requirements for your loan. The business is officially registered and operates legally. The business is physically located and operates in the United States or its territories.
The business's credit must be sound enough to assure loan repayment. The requested loan is unavailable on reasonable terms from non-government sources. Protect yourself from predatory lenders by looking for warning signs.
Some lenders impose unfair and abusive terms on borrowers through deception and coercion. Watch out for interest rates that are significantly higher than competitors’ rates, or fees that are more than 5% of the loan value. Make sure the lender discloses the annual percentage rate and full payment schedule.
A lender should never ask you to lie on paperwork or leave signature boxes blank. Don’t get pressured into taking a loan. Survey competing offers and consider speaking with a financial planner, accountant, or attorney before signing for your next loan.
Most U.S. banks view loans for exporters as risky. This can make it harder for you to get loans for things like day-to-day operations, advance orders with suppliers, and debt refinancing. That’s why SBA created programs to make it easier for U.S. small businesses to get export loans.
To learn how SBA can help you get an export loan, contact your local SBA Export Finance Manager or SBA's Office of Manufacturing and Trade . Fund your business with an SBA-guaranteed loan Get matched to an SBA-approved lender and find the best loans to start and grow your small business. Need help?
Get free business counseling
According to the current listing, eligibility includes: Small businesses in the U. S. Confirm the full requirements in the official notice before applying.
The current listing shows up to $5,500,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
SBA 504 Loan Program is funded by U.S. Small Business Administration. Verify program details on the funder's official page before applying.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
On September 2, 2026, SBA published an updated commercialization benchmark: firms with more than 25 Phase II awards in five years must derive at least 33 percent of total revenue from non-SBIR sources in FY2027, and 50 percent from FY2028 onward. It takes effect November 15, 2026. Because the measurement window looks backward three completed fiscal years, the first test is already decided — and the second is two-thirds decided. Here is the arithmetic, the history, and what firms near the line should do.
Read articleOn August 24, 2026, DOE and SBA signed a memorandum of agreement creating the Small Business Investment Company-Energy Initiative, pointing a $58 billion SBA-leveraged investment program at DOE's technology priorities. No application, no NOFO, no deadline. Here is how SBIC capital actually works, why a January 2026 rule change made this possible, and what a company sitting on a DOE Phase II award should do about it.
Read articleThe Small Business Administration's Manufacturing in America Empower to Grow initiative funds up to ten technical-assistance organizations with $5M each to deliver hands-on training to small manufacturers in aerospace, shipbuilding, advanced manufacturing, and seven other priority sectors. Applications close June 15, 2026 — and the three-year continuous-operation requirement is the rule that ends most LOIs before they start.
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