SBA borrowing limits vary by program, including $5 million for 7(a), $500,000 for Express, and $50,000 for Microloans.
The amount you can borrow with an SBA loan depends on the program, the use of funds, the business cash flow, collateral, and lender underwriting. The program maximum is only the ceiling. The actual approval amount is based on what the business can reasonably repay.
Most standard SBA 7(a) loans can go up to $5 million. SBA Express loans can go up to $500,000. SBA Microloans can go up to $50,000. SBA 504 financing can support larger total projects because the structure usually combines a bank first mortgage, a CDC/SBA second mortgage, and borrower equity.
A lender will usually size the loan around business cash flow and debt service coverage, not simply the largest amount allowed by the SBA program.
Maximum SBA loan amounts include $5 million for most 7(a) loans, $500,000 for Express, and $50,000 for Microloans.
There is no single minimum SBA loan amount, but Microloans are designed for smaller needs and many lenders set their own minimums.
Lenders determine SBA loan size by reviewing repayment ability, DSCR, collateral, borrower strength, and loan purpose.
Have an SBA loan scenario to review? Market Direct Capital can help evaluate structure, eligibility, and next steps.
Request Quote