SBA.BOT
PRIME RATE 8.50% SBA 7(a) MAX $5M 504 FIXED-ASSET LOANS MICROLOANS UP TO $50K EIDL ACTIVE FY25 APPROVALS +12% 1,800+ APPROVED LENDERS AVG 7(a) RATE ≈ 11.5% PRIME RATE 8.50% SBA 7(a) MAX $5M 504 FIXED-ASSET LOANS MICROLOANS UP TO $50K EIDL ACTIVE FY25 APPROVALS +12% 1,800+ APPROVED LENDERS AVG 7(a) RATE ≈ 11.5%
Issue 07 · FY 2026 · Q2 briefing

Capital,
clearly explained.

An independent, data-driven reference for U.S. Small Business Administration lending. Compare programs, screen eligibility, locate approved lenders, and assemble a submission-ready application — without intermediaries, fees, or marketing spin.

Start eligibility screenCompare programs
Programs covered
5
Approved lenders
1,812
FY25 7(a) volume
$31.2B
Data sources
SBA · FRED · Treasury
Editorial stance
Independent · non-commercial
References
SOP 50 10 8
Updated
Daily
01 · Modules

A working desk for SBA borrowers.

Six focused modules cover the full borrowing journey — from program selection and eligibility screening through lender selection, document preparation and post-submission tracking. Every module references the SBA Standard Operating Procedure (SOP 50 10 8) and the most recent agency program guides.

5 programs

Program comparison

Side-by-side reference for 7(a), CDC/504, Express, Microloans and EIDL — terms, caps, fees and use of proceeds.

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Search by ZIP

Lender directory

Search 1,800+ SBA-approved lenders by ZIP, state and program. Includes Preferred Lender (PLP) status.

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Diagnostic

Eligibility screen

A short structured questionnaire that matches your business profile to qualifying programs in under three minutes.

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SOP-aligned

Application kit

An interactive checklist of every form, financial statement and supporting document required at submission.

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Live status

Disaster lending

Active EIDL declarations, application deadlines, and processing timelines for FEMA-designated areas.

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FRED data

Rate environment

Headline SBA spreads, prime-rate movement and historical context drawn from FRED and SBA publications.

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02 · Telemetry

SBA lending in numbers.

Approval volume and headline pricing — sourced from SBA weekly lending reports and the St. Louis Federal Reserve. Use this to benchmark timing, structure expectations and calibrate the lender shortlist.

FY25 7(a) approvals

Loans approved · monthly

+12% YoY

Funding flow

$ billions · monthly

Steady
03 · Catalog

Core lending programs.

7(a)01

Standard 7(a) Loan

The flagship — flexible working capital up to $5M.

Maximum amount
$5,000,000
Term range
10–25 yrs
Decision time
30–90 days
Program details
50402

CDC / 504 Loan

Fixed-rate, long-term financing for major fixed assets.

Maximum amount
$5,500,000
Term range
10, 20, or 25 yrs
Decision time
60–120 days
Program details
Micro03

Microloan

Small loans through nonprofit intermediaries.

Maximum amount
$50,000
Term range
Up to 7 yrs
Decision time
2–4 weeks
Program details
Begin

Three minutes to a calibrated shortlist.

Run the eligibility screen, then download an application kit aligned to the program you matched. No account, no fees, no third-party intermediaries.

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