Glossary · The loan itself
Aggregate Principal Amount
In short
The total sum of money borrowed across all SBA loans. The SBA has limits on the maximum aggregate principal amount an individual or affiliated group can have outstanding.
What it means in a deal
This refers to the total principal balance of all 7(a) loans you (and any affiliated businesses) have outstanding. The current statutory maximum for a 7(a) loan is $5 million. Your lender will check your history to ensure you don't exceed this cap across all your businesses.
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 Principal Amount
- What is the maximum aggregate principal amount of 7(a) loan financing a single borrower or affiliated group can receive?
- 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?
- For an SBA 7(a) loan, what minimum principal amount must be paid off to trigger a prepayment penalty?
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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