Glossary · The loan itself
Aggregate Cap
In short
The maximum total amount of SBA loan funds any single borrower or affiliated group can receive across all 7(a) loans. It's a key limit to understand for serial entrepreneurs.
What it means in a deal
The SBA caps the total loan amount an individual or their affiliated businesses can borrow under the 7(a) program. This cap is currently $5 million. If you've previously used SBA loans, your remaining eligibility is reduced by those amounts. This limits your total borrowing capacity.
Official sources
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about Aggregate Cap
- How is the interest rate cap determined for a variable rate 7(a) loan?
- What is the maximum aggregate outstanding loan amount for a single 7(a) borrower?
- What is the total maximum aggregate outstanding loan amount for a single 7(a) borrower?
- What is the maximum aggregate outstanding loan amount for a single 7(a) borrower, including affiliates?
- What is the maximum aggregate outstanding loan amount for a single 7(a) borrower across all SBA loans?
- What is the maximum aggregate principal amount of 7(a) loan financing a single borrower or affiliated group can receive?
Defined by CapBench SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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