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Unclaimed
Discovery tool, not advice. Every figure is the published rule, not a decision on your case.
Loans

SBA Microloan Program

Status

Open continuously

No deadline — apply whenever you are ready.

Always open
Amount
$50,000

SBA: 'The microloan program provides loans up to $50,000 to help small businesses and certain not-for-profit childcare centers start up and expand.' SBA also states 'The average microloan is about $13,000.' Maximum term seven years; interest rates generally 8%-13%, set by the intermediary lender.

Funder

U.S. Small Business Administration via SBA-approved intermediary lenders

ppp · national

Deadline: Open all year — No deadline; apply directly to an SBA-approved intermediary lender.

Your odds
Not published

This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.

Effort
moderate

Moderate — a form and supporting documents.

Who can apply

Each intermediary lender sets its own eligibility requirements; intermediaries are typically mission-driven non-profits/CDFIs targeting underserved borrowers. Proceeds may fund working capital, inventory, supplies, furniture, fixtures, machinery and equipment, but 'cannot be used to pay existing debts or to purchase real estate'. No SAM.gov registration or UEI required.

How to apply

  1. Find an SBA-approved microloan intermediary lender in your area. — link
  2. Apply directly to the intermediary - 'SBA-approved lenders make all credit decisions and set all terms for your microloan.'

What you will need

Related reading: How grant deadlines actually work · The EU SME definition (Recommendation 2003/361)

Apply on the funder's site

Source. https://www.sba.gov/funding-programs/loans/microloans

"The microloan program provides loans up to $50,000 to help small businesses and certain not-for-profit childcare centers start up and expand."

Verified on 14 August 2026

Source: www.sba.gov

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