What can SBA loans be used for?

Most business purchases

SBA loans can be used for most business purposes, including start-up, expansion, equipment purchases, working capital, inventory or business-occupied real-estate purchases. They qualify for SBA's maximum guaranty of up to 85% for loans of $150,000 or less, and up to 75% for loans over $150,000 up to $500,000.


It depends...

Explore loans types to find the right loan for your business needs.

Most use cases for SBA loans include:

  • Start-up
  • Expansion
  • Equipment purchases
  • Working Capital
  • Inventory
  • Real Estate purchases, business-occupied

Get started on your SBA loan application

SBA 7a Loans
The 7(a) Loan Program, SBA’s most common loan program, includes assistance for each business with unique needs.
SBA 504 Loans
The 504 Loan Program is very popular for long-term, fixed rate financing of up to $5 million for major fixed assets.
The average Microloan is about $13,000. The Microloans program provides loans up to $50,000 to small businesses.

When disaster strikes, an SBA Disaster Loan can help