1,000+ Opportunities
Find the right grant
Search federal, foundation, and corporate grants with AI — or browse by agency, topic, and state.
This listing may be outdated. Verify details at the official source before applying.
Find similar grantsSmall Business Administration (SBA) 7(a) Loans is sponsored by U.S. Small Business Administration (SBA). This program provides loans to small businesses (including small healthcare practices) for working capital, equipment purchase, real estate purchase, building construction or renovation, business acquisition, and debt refinancing.
Get a weekly digest of new grants like this
A free weekly digest of new foundation and federal funding opportunities as they're added to Granted. Unsubscribe anytime.
Or search similar grants →Extracted from the official opportunity page/RFP to help you evaluate fit faster.
7(a) loans | U.S. Small Business Administration The 7(a) loan program is SBA's primary business loan program for providing financial assistance to small businesses. The 7(a) Loan Program, SBA’s primary business loan program, provides loan guaranties to lenders that allow them to provide financial help for small businesses with special requirements.
7(a) loans can be used for: Acquiring, refinancing, or improving real estate and buildings Short- and long-term working capital Refinancing current business debt Purchasing and installation of machinery and equipment, including AI-related expenses Purchasing furniture, fixtures, and supplies Changes of ownership (complete or partial) Multiple purpose loans, including any of the above The maximum loan amount for a 7(a) loan is $5 million.
Key eligibility factors are based on what the business does to receive its income, its credit history, and where the business operates. Your lender will help you figure out which type of loan is best suited for your needs. This also includes recommending you for an SBA 7(a) Working Capital Pilot (WCP) loan , if your business qualifies.
To be eligible for 7(a) loan assistance, businesses must: Be small under SBA Size Requirements Not be a type of ineligible business Not be able to obtain the desired credit on reasonable terms from non-Federal, non-State, and non-local government sources Be creditworthy and demonstrate a reasonable ability to repay the loan You can use SBA’s Lender Match tool to connect with a participating SBA lender.
You will apply for your loan directly through your lender. The contents of the loan application vary depending on the size of the loan and the lender's processing method. Your lender will help you determine which documents you'll need based on your individual circumstances .
You will always work directly with your lender and not with SBA. How do I pay back my 7(a) loan? Loan repayment terms vary according to several factors.
Most 7(a) term loans are repaid with monthly payments of principal and interest from the cash flow of the business Payments stay the same for fixed-rate loans because the interest rate is constant For variable rate loans, the lender may require a different payment amount when the interest rate changes Existing borrowers can create an account in the SBA Loan Portal to monitor their loan status, view statements, payment history and more.
Payments can only be made using the SBA Loan Portal for SBA-purchased 7(a) loans. All others can continue to set up and manage online payments at Pay. gov. 7(a) Working Capital Pilot (WCP) program Beginning August 1, SBA's 7(a) WCP is a pilot loan program that offers monitored lines of credit within the 7(a) loan program.
7(a) WCP has been engineered to: Support a range of financing needs for growing small businesses Bring together the best features of the existing permanent 7(a) line of credit delivery methods Provide financing for domestic and/or export purposes Offer one-on-one counseling with SBA's subject-matter experts to both small businesses and lenders Consider a 7(a) WCP loan if your small business: Can benefit from a line of credit up to $5 million Operates in industries like manufacturing, wholesale, or professional services Has at least one-year of operating history Can produce timely and accurate financial statements, accounts receivable and accounts payable agings, and inventory reports Wishes to fulfill large contracts or projects and/or borrow against accounts receivable or inventory 75% if greater than $150,000 $50,000 or less: Cannot exceed base rate +6.
5% $50,001 - $250,000: Cannot exceed base rate +6. 0% $250,001 - $350,000: Cannot exceed base rate +4. 5% $350,001 and greater: Cannot exceed base rate +3.
0% Use SBA’s Lender Match tool to be matched with a participating SBA lender that can provide you with funding at competitive rates and fees. Although SBA does not provide 7(a) loans directly to borrowers, we can help with the process. SBA District Offices can provide you with in-person, online, or telephone assistance.
SBA's network of Resource Partners throughout the country is also available to help small businesses. Fund your business with an SBA-guaranteed loan
According to the current listing, eligibility includes: Small businesses, including small healthcare practices. Confirm the full requirements in the official notice before applying.
Small Business Administration (SBA) 7(a) Loans is funded by U.S. Small Business Administration (SBA). 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.
Read article