SBA Microloan Program: eligibility, deadline, and how to apply (2026)
Key Facts
- Agency
- Small Business Administration (SBA)
- Loan amount
- up to $50,000
- Deadline
- Rolling (Open Continuously)
- Time Remaining
- Open year-round. Apply to an SBA microlender at any time.
- CFDA Number
- 59.046
The SBA Microloan Program is a federal loan program administered by the Small Business Administration (SBA). This guide covers everything you need to know to determine whether you qualify and how to apply at any time while the program remains open.
Use our free Grant Finder to discover additional programs you may be eligible for based on your organization type and location.
Eligibility requirements
To qualify for the SBA Microloan Program, applicants must meet the following criteria:
Small businesses and certain nonprofit childcare centers. Loans are distributed through designated intermediary lenders (nonprofit community-based organizations). Startups and newly established businesses are eligible.
Eligibility requirements can change between funding cycles. Always verify the current criteria on the official program page before beginning your application.
Not sure your organization qualifies? Run the free Grant Finder check → or compare other Small Business programs by who can apply.
How to apply: step by step
- This is a loan, not a grant. It is repaid with interest. SBA lends to nonprofit community lenders (intermediaries), which make the loans and decide.
- Find a microlender near you through the official program page, or ask your local Small Business Development Center which intermediaries serve your area.
- Prepare what microlenders ask for: a short business plan, what the loan will pay for, and some form of collateral or personal guarantee. Many intermediaries also require training or business counselling.
Loan details
| Detail | Information |
|---|---|
| Program name | SBA Microloan Program |
| Funding Agency | Small Business Administration (SBA) |
| CFDA Number | 59.046 |
| Minimum loan | Not published |
| Maximum loan | $50,000 |
| Deadline | Rolling (Open Continuously) |
| Category | Small Business |
| Matching Required | Not applicable: this is a loan, repaid with interest |
| Application Link | Official program page |
Loan limits and fees change with program rules. The lender or agency sets your final amount, rate and term within them. For the latest figures, check the official program page.
If you are exploring business financing beyond grants, the team at CeoCult covers loans, lines of credit, and alternative funding for founders.
Check your fit for Small Business funding like this before you apply: eligibility and registration in one worksheet.
Frequently asked questions
Who is eligible for the SBA Microloan Program?
Small businesses and certain nonprofit childcare centers. Loans are distributed through designated intermediary lenders (nonprofit community-based organizations). Startups and newly established businesses are eligible. Requirements can change between cycles, so always verify on the official program page before applying.
What is the deadline for SBA Microloan Program?
The current deadline is rolling (open continuously). Many federal grants operate on annual or rolling cycles. If this deadline has passed, check the program page for the next funding opportunity.
Does SBA Microloan Program require matching funds?
Not applicable: this is a loan, repaid with interest. Matching requirements can vary by fiscal year and applicant type, so confirm with the funding agency before committing resources.