{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/what-is-the-maximum-aggregate-outstanding-loan-amount-for-a-single-7-a-borrower-including-","api_url":"https://dealroom.so/api/public/questions/what-is-the-maximum-aggregate-outstanding-loan-amount-for-a-single-7-a-borrower-including-","question":"What is the maximum aggregate outstanding loan amount for a single 7(a) borrower, including affiliates?","topic":"Eligibility & size","audience":"lender","bot_mode":"lender","short_answer":"The maximum aggregate outstanding loan amount for a single 7(a) borrower, including affiliates, is $5,000,000 across all 7(a) loans.","rule":"13 CFR 120.151 states the maximum amount of any 7(a) loan is $5,000,000. This is an aggregate limit, meaning the total outstanding principal balance of all 7(a) loans to a single borrower and its affiliates cannot exceed this amount. Lenders must check for existing SBA exposure.","example":"A borrower applies for a $3,000,000 7(a) loan. The lender discovers the borrower and an affiliate already have $2,500,000 outstanding in other 7(a) loans. The new loan would be capped at $2,500,000 to meet the aggregate limit.","what_lenders_check":"Lenders must diligently check for existing SBA loans to the applicant and any affiliates to ensure the aggregate limit is not exceeded. Approving a loan that breaches this limit will result in a guaranty denial.","required_facts":["Aggregate limit","Outstanding principal","Affiliates","All 7(a) loans","Maximum $5M"],"source_families":["13 CFR Part 120 - Business Loans","SOP 50 10 - Lender and Development Company Loan Programs","7(a) Loan Program Terms, Conditions, and Eligibility"],"official_sources":[{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"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":"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 I use an SBA 7(a) loan to acquire a business that previously used an SBA loan?","url":"https://dealroom.so/for-lenders/questions/can-i-use-an-sba-7-a-loan-to-acquire-a-business-that-previously-used-an-sba-loan"},{"question":"How does the SBA define \"affiliation\" when considering my eligibility for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-define-affiliation-when-considering-my-eligibility-for-a-7-a-loan"},{"question":"Can an SBA 7(a) loan be used to purchase a business that is a startup or has limited operating history?","url":"https://dealroom.so/for-lenders/questions/can-an-sba-7-a-loan-be-used-to-purchase-a-business-that-is-a-startup-or-has-limited-operat"},{"question":"Are there specific types of businesses that are ineligible for an SBA 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/are-there-specific-types-of-businesses-that-are-ineligible-for-an-sba-7-a-loan"},{"question":"What types of businesses are generally eligible to apply for an SBA 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/what-types-of-businesses-are-generally-eligible-to-apply-for-an-sba-7-a-loan"},{"question":"Do businesses that primarily generate passive income qualify for an SBA 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/do-businesses-that-primarily-generate-passive-income-qualify-for-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 Loan Amount","url":"https://dealroom.so/glossary/aggregate-loan-amount"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"Aggregate SBA 7(a) Loan Eligibility","url":"https://dealroom.so/glossary/aggregate-sba-7-a-loan-eligibility"},{"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-including-","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."]}