Glossary · The loan itself
Microloan
In short
This is a small business loan, typically under $50,000, administered by the SBA through intermediary lenders. It’s generally not used for larger business acquisitions.
What it means in a deal
While a Microloan might be relevant for very small startups or working capital needs, it’s generally too small for buying an existing business with an SBA 7(a) loan. If you're acquiring a business, you'll likely be pursuing a standard 7(a) loan, which has a higher maximum. Don't confuse it with the 7(a) Small Loan program.
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
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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