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Small loans up to $50,000 for startups and small businesses. Ideal for working capital, inventory, supplies, and equipment. Often paired with business training and technical assistance.
An SBA Microloan is right for you if you are a startup or small business that needs a smaller amount of capital (up to $50,000) for working capital, inventory, or equipment. These loans often include free business training and mentoring to help your business succeed.
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Loan Limits
Up to $50,000 (average loan is approximately $13,000)
PMI / MIP
No SBA guarantee fee for microloans
Occupancy
Business use
We connect you with an SBA-approved microloan intermediary lender and discuss your business needs, stage, and how much capital you require.
Submit your application to the intermediary lender with a business plan, personal financial statement, and basic business documentation. Requirements are more flexible than standard SBA loans.
The intermediary lender reviews your application, business plan, and ability to repay. Many intermediaries also offer business training and technical assistance as part of the process.
Receive your microloan funds and begin any associated business training or mentoring programs. These resources are designed to help ensure your business success.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Explore other loan products that might be a good fit for your needs.
The SBA's most common loan program offering up to $5 million for working capital, equipment, real estate, acquisitions, partner buyouts, and debt refinancing.
Faster SBA financing with loan amounts up to $500,000 and expedited turnaround. Available as term loans or revolving lines of credit for businesses needing quick access to capital.
Long-term, fixed-rate financing for major fixed assets like commercial real estate, heavy equipment, and construction or renovation projects.
Apply online in minutes or call us to speak with a loan advisor about your SBA Microloan options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
NetCORE Lending helps connect you with SBA-approved lenders. The U.S. Small Business Administration (SBA) does not directly lend money to small businesses. SBA loans are provided by participating lenders with a government guarantee that reduces the lender's risk.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.