Business FundingOfficial source

SBA Microloan Program

Up to $50,000SBA program maximum

Smaller loans through nonprofit intermediary lenders for working capital, inventory, supplies and equipment — often paired with business training.

Who it's for

Startups and small businesses (including newer ones) that need smaller amounts of capital.

General eligibility

  • For-profit small business or eligible nonprofit childcare center
  • Requirements set by each nonprofit intermediary lender

What you'll typically need

  • Business plan and use of funds
  • Personal credit review
  • Collateral and a personal guarantee are common

Program information summarized from the agency's public materials. Not an offer of credit, a guarantee of eligibility, or an endorsement by the agency. Requirements change over time — always confirm current details with the agency or a licensed professional.