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Find similar grantsOngoing program, no fixed deadline; apply via intermediary lenders.
SBA Microloan Program is sponsored by U.S. Small Business Administration (SBA). Provides loans to small businesses and certain not-for-profit childcare centers to start up and expand, which can be used for equipment purchases and working capital.
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Microloans - Small Business Administration to the . gov website. Share sensitive information only on official, secure websites.
Smaller-size loans of up to $50,000 provided through SBA funding intermediaries. What is the microloan program? How do I pay back my loan?
The microloan program provides loans up to $50,000 to help small businesses and certain not-for-profit childcare centers start up and expand. The average microloan is about $13,000. SBA provides funds to specially designated intermediary lenders, which are nonprofit community-based organizations with experience in lending as well as management and technical assistance.
These intermediaries administer the Microloan program for eligible borrowers. To be eligible for a microloan, businesses must: Not be a type of ineligible business Be small under SBA size requirements How do I use a microloan? Microloans can be used for a variety of purposes that help small businesses expand.
Use them when you need less than $50,000 to start and/or grow your small business. Proceeds from an SBA microloan cannot be used to pay existing debts or to purchase real estate. To apply for a microloan, work with an SBA-approved intermediary in your area .
SBA-approved lenders make all credit decisions and set all terms for your microloan. Find authorized intermediary lenders participating in SBA’s microloan program. How do I pay back my microloan?
Loan repayment terms vary according to several factors. Amount, planned use, lender requirements, needs of the small business owner Maximum repayment term allowed for an SBA microloan is seven years Interest rates vary depending on the intermediary lender Generally, between 8%-13% For help with your account balance, due date, or any other questions regarding the specifics of your loan, please contact your microlender directly.
According to the current listing, eligibility includes: Businesses and nonprofits located in the U.S. that meet SBA size standards. 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.
SBA Microloan Program accepts applications on a rolling basis — there is no single fixed deadline. Check the official notice for any cycle-specific review dates.
SBA Microloan Program is funded by U.S. Small Business Administration (SBA). Verify program details on the funder's official page before applying.
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.
Past winners and funding trends for this program
TechAccess: AI-Ready America is sponsored by U.S. National Science Foundation (NSF), USDA National Institute of Food and Agriculture (NIFA), U.S. Department of Labor Employment and Training Administration (DOL ETA), U.S. Small Business Administration (SBA). This program aims to expand access to AI knowledge, tools, training, and capacity building for all Americans.
Small Business Technology Transfer (STTR) Program is sponsored by U.S. Small Business Administration (SBA) and various federal agencies (e.g., NSF, DOD, DOE, NIST). The STTR program is similar to SBIR, expanding funding opportunities in the federal innovation R&D arena. A key difference is its emphasis on public/private sector partnerships, encouraging joint ventures between small businesses and non-profit research institutions.
The 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.
Read articleThe SBA's E2G grant funds up to 10 organizations at an average of $5M each to deliver training and technical assistance to small manufacturers in 13 critical industries. The three-year continuous operating requirement is the eligibility cliff that will eliminate most newer trade groups and university centers.
Read articleThe Small Business Administration's Manufacturing in America Empower to Grow (E2G) Grant Initiative commits up to $50 million across as few as 10 awards to intermediaries that serve small manufacturers. Applications close June 15, 2026. The program structure rewards organizations with three-plus years of operating history and documented regional or national reach.
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