{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/what-is-the-maximum-aggregate-outstanding-loan-amount-for-a-single-7-a-borrower","api_url":"https://dealroom.so/api/public/questions/what-is-the-maximum-aggregate-outstanding-loan-amount-for-a-single-7-a-borrower","question":"What is the maximum aggregate outstanding loan amount for a single 7(a) borrower?","topic":"Eligibility Determinations","audience":"lender","bot_mode":"lender","short_answer":"The maximum aggregate outstanding loan amount for a single borrower and its affiliates under the 7(a) program is $5 million.","rule":"SBA rules limit the total amount a small business and its affiliates can have outstanding through the 7(a) program. This limit ensures that the program benefits a wide array of small businesses and prevents excessive concentration of risk with any single borrower.","example":"A business owner currently has an outstanding $2 million SBA 7(a) loan. They apply for a new $3.5 million 7(a) loan. The lender would inform them that the new loan cannot exceed $3 million to remain within the $5 million aggregate limit.","what_lenders_check":"Lenders must perform thorough due diligence to identify all affiliates and aggregate their outstanding SBA loan balances. Incorrectly calculating the aggregate exposure can lead to eligibility issues and potential guaranty denial.","required_facts":[],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","7(a) Loan Program Terms, Conditions, and Eligibility"],"official_sources":[{"title":"SOP 50 10 - Lender and Development Company Loan Programs","url":"https://www.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx"},{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"title":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"}],"related_questions":[{"question":"Can an SBA 7(a) loan be used to acquire a business that is primarily an investment or passive real estate holding company?","url":"https://dealroom.so/for-lenders/questions/can-an-sba-7-a-loan-be-used-to-acquire-a-business-that-is-primarily-an-investment-or-passi"},{"question":"Can an existing business with significant negative working capital at closing still be eligible for a 7(a) acquisition loan?","url":"https://dealroom.so/for-lenders/questions/can-an-existing-business-with-significant-negative-working-capital-at-closing-still-be-eli"},{"question":"When is a business whose primary income is derived from renting equipment or real estate eligible under 7(a) rules?","url":"https://dealroom.so/for-lenders/questions/when-is-a-business-whose-primary-income-is-derived-from-renting-equipment-or-real-estate-e"},{"question":"What documentation confirms a business is 'for-profit' if its mission includes significant social benefits?","url":"https://dealroom.so/for-lenders/questions/what-documentation-confirms-a-business-is-for-profit-if-its-mission-includes-significant-s"},{"question":"How does the 'not engaged in lending' rule apply to a loan applicant?","url":"https://dealroom.so/for-lenders/questions/how-does-the-not-engaged-in-lending-rule-apply-to-a-loan-applicant"},{"question":"Can a non-profit organization receive an SBA 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/can-a-non-profit-organization-receive-an-sba-7-a-loan"}],"related_terms":[{"term":"Maximum Aggregate Loan Amount","url":"https://dealroom.so/glossary/maximum-aggregate-loan-amount"},{"term":"Maximum SBA 7(a) Loan Amount","url":"https://dealroom.so/glossary/maximum-sba-7-a-loan-amount"},{"term":"Aggregate SBA 7(a) Loan Eligibility","url":"https://dealroom.so/glossary/aggregate-sba-7-a-loan-eligibility"},{"term":"Aggregate Loan Amount","url":"https://dealroom.so/glossary/aggregate-loan-amount"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"Maximum aggregate outstanding principal balance","url":"https://dealroom.so/glossary/maximum-aggregate-outstanding-principal-balance"}],"related_tools":[{"name":"SBA 7(a) payment & fee calculator","url":"https://dealroom.so/sba-7a/calculator"},{"name":"Find an active SBA 7(a) lender","url":"https://dealroom.so/lenders"}],"data_freshness":{"last_reviewed":"2026-06-13","sba_rule_sources_checked_through":"2026-06-13"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/for-lenders/questions/what-is-the-maximum-aggregate-outstanding-loan-amount-for-a-single-7-a-borrower","source_type":"DealRoom Q&A"},"caveats":["Grounded in the current SBA rulebook; verify against official sources before relying on it for a live deal.","Not legal, tax, or financial advice and not an approval decision."]}