SBA loan basics
Short answer
While there isn't a specific dollar limit just for the working capital portion of an SBA 7(a) loan, it must be reasonable and justifiable for the business's needs and fall within the overall $5 million loan maximum.
Working capital is a flexible component of the 7(a) loan, intended to support day-to-day operations, inventory, and growth. Lenders must ensure the requested amount is necessary, tied to the business's projections, and not excessive or for ineligible purposes.
A business acquiring another company might request a $100,000 working capital injection to cover initial operational expenses, payroll, and marketing efforts for the first six months. This would be deemed reasonable if supported by financial projections.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
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
SBA 7(a) Loans Overview
Last checked 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. 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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