Glossary · The loan itself
Aggregate limit
In short
The maximum total dollar amount an individual or business can borrow across all SBA 7(a) loans. For a single borrower, this is currently $5 million.
What it means in a deal
This limit applies to the sum of the guaranteed portions of all 7(a) loans you or your affiliates have outstanding. If you already have an SBA loan, the new loan amount, when added to your existing SBA debt, cannot exceed this $5 million threshold. Be aware of any existing SBA debt you or affiliated businesses might have.
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 limit
- 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?
- Is there a maximum dollar limit for an SBA 7(a) loan?
- What is the maximum aggregate outstanding loan amount for a single 7(a) borrower, including affiliates?
- Is there an income limit for my business to be "small" by SBA rules?
- What is the maximum aggregate outstanding loan amount for a single 7(a) borrower across all SBA loans?
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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