{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/what-is-the-total-maximum-aggregate-outstanding-loan-amount-for-a-single-7-a-borrower","api_url":"https://dealroom.so/api/public/questions/what-is-the-total-maximum-aggregate-outstanding-loan-amount-for-a-single-7-a-borrower","question":"What is the total maximum aggregate outstanding loan amount for a single 7(a) borrower?","topic":"Maximum loan amount","audience":"borrower","bot_mode":"buyer","short_answer":"A single borrower, including all affiliates, cannot have more than $5 million in outstanding principal across all SBA 7(a) loans.","rule":"The $5 million maximum loan amount applies not just to a single loan, but to the total aggregate outstanding principal balance that any one borrower (including affiliated entities) can have with the SBA 7(a) program at any given time.","example":"If you already have an SBA 7(a) loan with an outstanding balance of $2 million for one business, your new SBA 7(a) loan for an acquisition cannot exceed $3 million, bringing your total to $5 million.","what_lenders_check":"Lenders must perform due diligence to identify all affiliated businesses and aggregate their outstanding SBA loan balances to ensure the borrower does not exceed the maximum allowable limit, which would make the new loan ineligible.","required_facts":[],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","13 CFR Part 121 - Small Business Size Regulations"],"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":"13 CFR Part 121 - Small Business Size Regulations","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-121"}],"related_questions":[{"question":"What is the maximum loan amount I can obtain with an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/what-is-the-maximum-loan-amount-i-can-obtain-with-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/sba-7a/questions/what-is-the-total-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."]}