SBA loan basics
Short answer
The maximum loan amount a business can receive under the SBA 7(a) program is $5 million.
The SBA sets a statutory maximum for 7(a) loans at $5 million. This limit applies to the total amount of the loan, regardless of how the funds are used (e.g., real estate, equipment, working capital).
If a business needs $4.5 million to purchase a large facility and an additional $500,000 for equipment and working capital, the total $5 million loan would be at the maximum limit for the 7(a) program.
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 2026-06-14. 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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