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SBA Microloans is sponsored by U.S. Small Business Administration (SBA). Microloans are offered to businesses with smaller start-up capital needs, between $500 and $50,000, who do not qualify for traditional small business bank loans. They can be used for most business purposes, including the purchase of land, machinery, remodeling, refinancing of existing debt, and repairing and rebuilding following a disaster.
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Microloans | U.S. Small Business Administration Smaller-size loans of up to $50,000 provided through SBA funding intermediaries. 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. Each intermediary lender has its own lending and credit requirements.
Generally, intermediaries require some type of collateral as well as the personal guarantee of the business owner. 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 rebuild, re-open, repair, enhance, or improve your small business. Proceeds from an SBA microloan cannot be used to pay existing debts or to purchase real estate. Microloans are available through certain nonprofit, community-based organizations that are experienced in lending and business management assistance.
Individual requirements will vary. 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 lender directly, or contact the SBA loan servicing center listed on your account statement.
According to the current listing, eligibility includes: Startups and small businesses with lower capital needs that cannot get financing elsewhere. Confirm the full requirements in the official notice before applying.
The current listing shows $500 to $50,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
SBA Microloans 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
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