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Small Business Administration (SBA) loans are designed to be accessible to small businesses that might not otherwise qualify for conventional loans. Learn more about the requirements to see if your business could qualify.

SBA Definition of a Small Business

The SBA defines a small business as one that:

  • Is independently owned and operated
  • Is not dominant in its field
  • Is for-profit
  • Meets SBA employment or sales standards

Size Standard Qualifications

To be eligible for the 7(a) and 504 loan programs, a small business cannot have:

  • A net worth that exceeds $15 million
  • An average net income of greater than $5 million over the past two years

Small business characteristic qualifications

  • Owners with good character and strong management skills
  • Business net worth consistent with industry averages
  • Ability to repay based on historical cash flow
  • Reasonable collateral

Small business loan application requirements

  • Personal and business tax returns
  • Business financial statements for three past years
  • Current business financial statement
  • Report showing age of unpaid invoices
  • Articles of Incorporation and Bylaws
  • Personal tax returns from prior three years
  • Current personal financial statements from key people in the company
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Disclosures

SBA Preferred Lender

All credit products are subject to credit approval.

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