Small Business Investment Companies
Small Business Administration
To establish privately owned and managed Small Business Investment Companies (SBICs), which are licensed and regulated by the U.S. Small Business Administration (SBA), and to issue debt to licensed SBICs that may provide private equity capital and long term loan funds to small businesses and provide advisory services to small businesses in which they invest.
Jargon-free version
Helps small businesses get funding through private investment and loans. Provides capital and advice to support their growth.
Quick Facts
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What Is This Program?
What Benefits Are Offered?
SBA-guaranteed loans with competitive terms for a variety of business purposes, including acquiring/improving real estate, purchasing machinery/equipment, obtaining short/long-term working capital, refinancing debt, and general business growth. Specific benefits include lower down payments, flexible overhead requirements, and potentially no collateral for some loans. Business counseling and education support are also available.
Who Is Eligible?
Business Size: small
Industries: manufacturing, wholesale, professional services, other various industries
Region: United States, US territories
Other Criteria: Must be an operating business, Primarily operates for profit (with exceptions for certain non-profit childcare centers under Microloans), Meets SBA size standards, Able to repay the loan and has a sound business purpose, Creditworthy, though those with bad credit may qualify for startup funding, Cannot obtain desired credit on reasonable terms from non-Federal, non-State, and non-local government sources (for 7a loans), Qualified management expertise, feasible business plan, and good character (for 504 loans), Tangible net worth less than $20 million (for 504 loans), Average net income less than $6.5 million after federal income taxes for the two years preceding application (for 504 loans), At least one-year of operating history (for 7a Working Capital Pilot)
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📋What Are the Application Steps & Timeline?
- 📝Steps to Apply
- Learn about the SBIC program
- Prepare your business case and financial statements
- Register for an account in the SBA Loan Portal
- Submit your application through the SBA Loan Portal
- 🌐Application Portal
- http://www.sba.gov/sbic
- 📤Submission Method
- online
- 🔄Intake Type
- rolling
📄What Documents Are Required?
- ✅Required Documents
- SBIC program application forms
- Information For Small Business Size Determination
- SBIC Licensee Financial Statements and Investment Performance
- SBIC Annual Year-End Reporting Requirements
- Investment Policy Statement
- 📐Format Requirements
- PDF only, max 10MB
- 📥Templates Available
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💰What Expenses Are Eligible?
- 🧾Eligible Expenses
- Acquiring real estate
- Refinancing current business debt
- Purchasing machinery and equipment
- Working capital
- Purchasing furniture and supplies
- 🚫Ineligible Expenses
- Working capital or inventory for 504 loans
- Speculation or investment in rental real estate
- Financing of AI-related working capital
- 📏Expense Caps
- Loan guarantee 85% $150,000 or less 75% if greater than $150,000
- 💳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 is allowed.
- 🛡️Proof of Matching Required
- Documentation of financial statements and business case required.
📊What Are the Reporting Requirements?
- 🗓️Reporting Frequency
- annual
- 📑Reporting Requirements
- SBIC Licensee Financial Statements and Investment Performance
- SBIC Annual Year-End Reporting Requirements
- 🔍Audit Requirements
- OMB Uniform Guidance Single Audit if the recipient expends $750,000 or more in federal awards in a fiscal year
- 📢Branding Requirements
- Acknowledgment of federal funding is required
- 🗄️Record Retention Period
- 3 years post-final-report
How Do I Apply?
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FAQFrequently Asked Questions
This program is available to small businesses in manufacturing, wholesale, professional services industries located in United States, US territories.
This program offers funding up to $5,500,000 (minimum $500).
This program accepts applications on a rolling basis.
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