SBA loan basics
Short answer
Yes, marketing and advertising expenses are generally considered eligible working capital uses for an SBA 7(a) loan, as they are crucial for business operations and growth.
Funds categorized as working capital in an SBA 7(a) loan can be used for a wide range of operational expenses, including marketing, advertising, payroll, rent, and inventory. These uses are intended to support the day-to-day running and growth of the business.
A startup needing to launch a new product can use a portion of its $75,000 working capital SBA loan to fund digital marketing campaigns, print advertising, and promotional events for the first year of operation.
7(a) Loan Program — Terms, Conditions, and Eligibility
U.S. Small Business Administration · Official SBA source
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-14. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-14 · SBA sources checked through 2026-06-14. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
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