SBA loan basics
Short answer
Yes, a non-U.S. citizen who is a Lawful Permanent Resident (Green Card holder) can be eligible for an SBA 7(a) business loan.
To be eligible, the owner must be a U.S. citizen or a Lawful Permanent Resident. Non-citizens must reside legally in the U.S. and provide documentation of their alien registration number and other relevant immigration documents. The business must also operate in the U.S. or its possessions.
An individual holding a valid Green Card for five years wants to purchase an existing restaurant. They can apply for an SBA 7(a) loan if they meet all other eligibility criteria, including proving their lawful permanent residency.
Insider move
Lenders must verify the citizenship or legal residency status of all owners of 20% or more. This includes obtaining copies of Green Cards, visas, or other immigration documents and confirming their validity and legal status.
SOP 50 10 - Lender and Development Company Loan Programs
Policy Notice 5000-876441 - Citizenship and Residency Requirements
Procedural Notice 5000-876626 - Revised Applicant Ownership, Citizenship and Residency
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.
More on business eligibility
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