SBA loan basics
Short answer
The 'SBA Table of Size Standards' is important because it lists the maximum size a business can be (based on revenue or employees) to qualify as 'small' for SBA programs. Only businesses meeting these standards are eligible for 7(a) loans.
The SBA uses this table to determine eligibility for all its programs. Each industry (identified by its NAICS code) has a specific size standard. A business must not exceed these thresholds, after accounting for any affiliations, to be considered an eligible 'small business.'
A software company applies for a loan. Its NAICS code (e.g., 541511 for Custom Computer Programming Services) has a size standard of $34 million in average annual receipts. If the company averages $35 million, it's ineligible.
SBA Table of Size Standards
13 CFR Part 121 - Small Business Size Regulations
SOP 50 10 - Lender and Development Company Loan Programs
Affiliation and Lending Criteria for SBA Business Loan Programs - Final Rule
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 eligibility & size
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