06/03/2026
Big SBA Financing Update for Small Business Owners
Effective July 4, 2026, SBA clarified that eligible borrowers may be able to access up to $10 million in combined SBA-backed financing by using both the 7(a) and 504 loan programs.
That means a borrower could potentially use:
✅ 7(a) for working capital, acquisition, or light equipment
✅ 504 for real estate, facilities, or major fixed assets
This is an important clarification because it gives business owners, brokers, and lenders more flexibility when structuring larger financing needs.
The individual 7(a) loan limit remains $5 million, but under the clarified policy, 7(a) and 504 may work together more strategically when structured properly.
At 7(a) Funding Group, we help borrowers and referral partners understand where each SBA program fits and how to avoid leaving good financing options on the table.
At 7(a) Funding Group and SBA Loan Exchange, we help borrowers, brokers, and referral partners understand where each SBA program fits and how to avoid leaving good financing options on the table even if you got rejected by a bank we can redirect you to our network of Lenders all across the country.
Need help reviewing an SBA deal? Let’s talk.
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