Small Business Loan Programs
Compare 8 loan and microloan programs available to small businesses.
SBA 7(a) Loan Program
U.S. Small Business Administration
The SBA 7(a) is the most popular SBA loan program, ideal for businesses needing working capital, equipment, or real estate financing. Backed by the federal government, making it easier to qualify than conventional bank loans.
View DetailsSBA Microloan Program
U.S. Small Business Administration
Small loans up to $50,000 for startups and early-stage businesses. Offered through SBA-approved nonprofit intermediary lenders. Great for businesses that cannot qualify for traditional bank loans.
View DetailsSBA 504 Loan Program
U.S. Small Business Administration
Long-term, fixed-rate financing for major fixed assets like real estate and heavy equipment. Structured as a partnership between a bank and a Certified Development Company (CDC).
View DetailsKiva Zero-Interest Business Loan
Kiva
Crowdfunded zero-interest loans for small businesses and entrepreneurs. No minimum credit score required. You fundraise from individual lenders worldwide. Ideal for businesses that cannot access traditional financing.
View DetailsAccion Opportunity Fund
Accion Opportunity Fund
Mission-driven lender offering affordable small business loans, especially for minority-owned, women-owned, and immigrant-owned businesses. Lower credit score requirements than banks.
View DetailsUSDA Business & Industry Loan Guarantee
U.S. Department of Agriculture
USDA loan guarantees for rural businesses creating jobs. Eligible for businesses in towns under 50,000 population. Very large loan amounts available with long repayment terms.
View DetailsCDFI Community Development Loan
CDFI Fund (Treasury Department)
Below-market loans from Community Development Financial Institutions, specifically designed to serve underbanked communities and entrepreneurs who face barriers to traditional financing.
View DetailsSBA Community Advantage Loan
U.S. Small Business Administration
SBA-backed loans specifically for businesses in underserved markets, including startups that cannot access conventional financing. Offered through mission-driven SBA lenders.
View Details