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Financing knowledge

SBA Microloans

SBA microloans provide up to $50,000 through approved nonprofit intermediary lenders. They can support eligible working capital, inventory, supplies, furniture and equipment.

Know the restrictions

SBA microloan proceeds cannot be used to buy real estate or pay existing debt. Individual intermediaries set requirements and make credit decisions.

Prepare for an intermediary review

Discuss the use of funds, business plan, repayment capacity, collateral and any guarantee requirements with the intermediary. Ask whether business assistance or training is part of the process.

Check the official program details

Source: U.S. Small Business Administration. Program summaries checked October 8, 2026. Terms and eligibility can change; confirm current requirements with the SBA or participating lender.