Maximum SBA loan amounts include $5 million for most 7(a) loans, $500,000 for Express, and $50,000 for Microloans.
Maximum SBA loan amounts vary by program. The most common ceiling for a standard SBA 7(a) loan is $5 million, while SBA Express loans are generally capped at $500,000 and SBA Microloans are capped at $50,000.
SBA 504 financing works differently because the total project may include a bank first mortgage, a CDC/SBA second mortgage, and borrower equity. This can support larger commercial real estate or fixed-asset projects than a single SBA 7(a) loan.
Even when the program limit is high, the final loan amount must still be supported by cash flow, collateral, and lender underwriting.
SBA borrowing limits vary by program, including $5 million for 7(a), $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.
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