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SBA 7(a) Program

The SBA's flagship 7(a) program provides loans to small businesses unable to secure financing on reasonable terms through conventional credit channels. The program operates through private-sector lenders that make loans guaranteed by the SBA in the case of default.

For lenders, the 7(a) loan program has the potential to:

  • Increase the Size of Your Portfolio—The mitigated risk provided by federal guarantees as high as 90% allows you to comfortably expand your customer base and increase quality assets.
  • Increase Liquidity—7(a) loans can be readily sold on a very healthy secondary market.
  • Increase Regulatory Loan Limits—Only the unguaranteed portion of an SBA loan counts against your regulatory loan limit per customer.
  • Increase competitiveness—The ability to offer terms as long as 25 years gives you a more desirable product line to offer prospective and existing customers.

SBA Notice Archive >

SBA Lender Resources (forms, addresses, links, etc.) >

SBA Statistics >

Visit www.sba.gov >