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SBA Microloan Program

Small loans made through nonprofit intermediary lenders to help small businesses start, reopen or grow, covering working capital, inventory, supplies and equipment.

Run by

U.S. Small Business Administration

Funding

Up to $50,000

Loans up to $50,000; the average microloan is about $13,000.

Who can apply

Small businesses and certain nonprofit childcare centers
Cannot be used to pay existing debts or buy real estate
Intermediaries generally require collateral and the owner's personal guarantee

How to apply

Apply to an SBA-approved microloan intermediary lender in your area, which sets the terms.

Last checked

2026-10-11

Official page ↗

BizGrantAI is an independent guide, not a government agency. Rules and amounts change, so always confirm on the official page before applying. We never charge for applications.