Glossary · The loan itself
In short
This is an alternate eligibility test for businesses that exceed the standard size limits (revenue or employees) but still need SBA loan access.
If a business is too large by the primary NAICS code size standard, it might still qualify if its tangible net worth is less than $15 million AND its average net income for the previous two fiscal years is less than $5 million. This is a common path for larger small businesses.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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