Intermediary Loan Program
Small Business Administration
Three year pilot program in which SBA made direct loans of up to $1 million at an interest rate of 1 percent to up to 20 nonprofit lending intermediaries each year, subject to the availability of funds. Term of ILP loans is for a maximum period of 20 years with deferred payments for the first two years. Intermediaries use the ILP loan funds to make loans of up to $200,000 to startup, newly established, or growing small business concerns. No small business (including affiliates) may have more tha
Jargon-free version
Helps nonprofit lenders provide loans to small businesses for startup or growth. Each loan can be up to $200,000 with favorable terms.
Quick Facts
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What Is This Program?
What Benefits Are Offered?
Loans of up to $50,000 provided by intermediary lenders for small businesses and certain non-profit childcare centers, often used for small improvements. Access to business counseling and education may also be available.
Who Is Eligible?
Business Size: small
Industries: general business, childcare
Region: United States, US territories
Other Criteria: officially registered and operates legally, able to repay loan, sound business purpose, creditworthy to assure loan repayment (though bad credit may qualify, especially for startups), for-profit businesses (except for certain non-profit childcare centers)
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Browse Partner Directory🏆 Detailed Application Guide
📋What Are the Application Steps & Timeline?
- 📝Steps to Apply
- Log in to the SBA Loan Portal
- Select the loan you want to pay
- Choose payment type (one-time or recurring)
- Enter payment information
- Confirm payment
- 🌐Application Portal
- http://www.sba.gov/funding-programs/loans/make-payment-sba
- 📤Submission Method
- online
- 🔄Intake Type
- fixed-deadline
📄What Documents Are Required?
- ✅Required Documents
- SF-424 (Application for Federal Assistance)
- SF-424A (Budget Information - Non-Construction)
- SF-424B (Assurances)
- Project Narrative
- Budget Narrative
- Indirect cost rate agreement
- IRB approval letter
- Environmental review
- 📐Format Requirements
- PDF only, max 10MB
- ✉️Supporting Letters
- Letters of support/reference are required.
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💰What Expenses Are Eligible?
- 🧾Eligible Expenses
- Acquiring real estate
- Refinancing current business debt
- Purchasing machinery and equipment
- Purchasing furniture and fixtures
- Working capital
- 🚫Ineligible Expenses
- Non-profit activities
- Passive activities
- Speculative activities
- 📏Expense Caps
- None specified
- 💳Payment Model
- mixed
- ⏪Retroactive Expenses Eligible
- No
🤝Is Matching Funding Required?
- 🔀Matching Required
- Yes
- 📊Matching Ratio
- 25% minimum
- 🏦Eligible Matching Sources
- cash
- in-kind contributions
- 📚Stacking Rules
- Cumulative government assistance allowed
- 🛡️Proof of Matching Required
- Financial statements and business case documentation
📊What Are the Reporting Requirements?
- 🔍Audit Requirements
- OMB Uniform Guidance Single Audit if the recipient expends $750,000 or more in federal awards in a fiscal year
How Do I Apply?
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FAQFrequently Asked Questions
This program is available to small businesses in general business, childcare industries located in United States, US territories.
This program offers funding up to $50,000 (minimum $500).
This program accepts applications on a rolling basis.
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