Glossary · The loan itself
Microloan Program
In short
This SBA program provides small loans, up to $50,000, primarily for working capital or inventory to small businesses, often startups. It's not structured for typical business acquisitions.
What it means in a deal
Microloans are too small for most business acquisitions you'll consider, which often run into the hundreds of thousands or millions. Your focus should be on the standard SBA 7(a) loan for buying an established business, which offers much higher loan amounts.
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 Microloan Program
- Is the SBA 7(a) program widely used by small businesses?
- What does 'Preferred Lender Program' (PLP) status mean for a bank?
- Does the SBA 7(a) program have a minimum loan size?
- What is the main purpose of an SBA 7(a) loan program?
- What does the '7(a)' in an SBA loan program name signify?
- What is the basic purpose of the SBA 7(a) loan program?
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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