Microloan Program
Small Business Administration
To assist entrepreneurs, business owners, and other individuals possessing the capability to operate successful business concerns and to assist small business concerns in those areas suffering from a lack of credit due to economic downturns. Under the Program, the Small Business Administration (SBA) makes loans or provide guaranties to private, non-profit, and quasi-governmental organizations (intermediary lenders) that utilizes the loan funds to make short-term, fixed interest rate microloans i
Jargon-free version
Helps small business owners get loans up to $50,000 for working capital, inventory, and equipment. Also provides training and support for lenders.
Quick Facts
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What Is This Program?
What Benefits Are Offered?
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📋What Are the Application Steps & Timeline?
- 📝Steps to Apply
- Use SBA’s Lender Match tool to connect with a participating SBA lender.
- Apply for your loan directly through your lender.
- Provide necessary documents as determined by your lender.
- 🌐Application Portal
- http://www.sba.gov/funding-programs/loans
- 📤Submission Method
- online
- 🔄Intake Type
- rolling
📄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
- 📐Format Requirements
- PDF only, max 10MB
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💰What Expenses Are Eligible?
- 🧾Eligible Expenses
- long-term fixed assets
- operating capital
- 🚫Ineligible Expenses
- working capital or inventory
- speculation or investment in rental real estate
- 📏Expense Caps
- Admin costs capped at 15%
- 💳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
- Can combine with other government funding
- 🛡️Proof of Matching Required
- Documentation of financial statements and business case
📊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
Visit the program page for detailed eligibility requirements.
This program offers funding up to $9,999,999,999 (minimum $5).
This program accepts applications on a rolling basis.
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