#sba-loans

Sba Loans

SBA loan programs, requirements, and applications

September 11, 2026

Tax Refund Seized? How the Treasury Offset Program Works and How Injured Spouses Get Their Share Back

The Treasury Offset Program lets the Bureau of the Fiscal Service withhold a federal tax refund to pay past-due child support, defaulted federal student and SBA loans, state income tax, and unemployment debts, in that priority order. Creditor agencies must mail a Notice of Intent to Offset at least 60 days before referral, giving you time to pay, sign a repayment agreement, or dispute the debt. When the debt belongs only to your spouse, Form 8379 Injured Spouse Allocation recovers your share of a joint refund in roughly 8 to 14 weeks.

mike

taxtax-filingtax-compliance

September 9, 2026

The Personal Guarantee Trap: What Signing That SBA Loan Really Puts on the Line

SBA rules require an unlimited personal guarantee from every owner holding 20% or more, and 59% of small businesses with debt have pledged one. Here is what SBA Form 148 actually obligates you to, the five traps founders miss — including guarantees that outlive your ownership — and the caps, burn-offs and release letters worth negotiating before you sign.

mike

sba-loansbusiness-line-of-creditloans

September 5, 2026

Turned Down for a Bank Loan? Your State Might Guarantee It Through SSBCI

The State Small Business Credit Initiative routes nearly $10 billion in federal money into state loan guarantee, collateral support, loan participation, capital access and venture programs delivered through local banks, with a $20 million loan cap and a 750-employee ceiling. This guide covers who qualifies, how SSBCI differs from SBA 7(a), the no-stacking rule, and the five steps to get a participating lender to enroll your loan.

mike

small-business-loansfinancingsba-loans

August 21, 2026

The $350,000 Reality: How the 2026 SBA 7(a) Rule Changes Decide Your Loan Approval

In April 2025 the SBA 7(a) small loan cap fell from $500,000 to $350,000, the SBSS minimum rose to 165, guaranty fees returned, and MCA debt can no longer be refinanced with SBA proceeds — seven hard-filter changes that decide approval before a human reads your file.

mike

sbasba-loanssmall-business-loans

August 16, 2026

The Fed Is on Hold: What the June 2026 Dot Plot Means for Your Next Business Loan

The June 2026 dot plot moved the median end-of-year Fed funds projection from 3.4% to 3.8%, erasing the cut many borrowers were waiting for. Here is how prime at 6.75% flows into SBA 7(a), term loan, and line-of-credit pricing, when to lock fixed versus float variable, and the debt-schedule bookkeeping that gets you quoted 0.5%-1.0% lower.

mike

business-loanssba-loansfinancing

July 30, 2026

Your Business Partner Has a Green Card? Your SBA Loan Just Got a Lot Harder to Get

As of March 1, 2026, SBA 7(a), 504, and microloan applicants must be 100% owned by U.S. citizens or nationals — green card holders are excluded from any direct or indirect ownership stake. Existing loans are grandfathered; new applicants with a permanent resident anywhere in the ownership chain must turn to CDFIs, state loan programs, or USDA B&I financing instead.

mike

sbasba-loanssmall-business-loans

July 30, 2026

Selling Your Business to Your Employees: What the New SBA Worker Cooperative Lending Pilot Means for Retiring Owners

Six million U.S. businesses are expected to change hands by 2035, yet over 58% of owners have no succession plan. The National Worker Cooperative Development and Support Act, reintroduced in December 2025, would create an SBA pilot guaranteeing $60 million in loans over ten years for worker cooperative conversions — solving the 20%-owner personal guarantee problem that blocks most co-op financing. Here's how the pilot, Section 1042 capital gains deferral, and clean bookkeeping fit into an employee-ownership exit.

mike

small-businesssba-loansbusiness-acquisition

July 29, 2026

SBA SOP 50 10 8: What the New Collateral and Equity Injection Rules Mean for 7(a) Borrowers

SBA SOP 50 10 8, effective June 1, 2025, dropped the 7(a) collateral trigger from $500,000 to $50,000, requires liens on personal real estate with 25%+ equity for 20%+ owners, and tightened equity injection rules — HELOCs need outside income, seller notes must sit on full standby, and phased ownership buyouts are gone.

mike

sbasba-loanssmall-business

July 28, 2026

The $875 Billion Maturity Wall: A Small Business Guide to Refinancing Commercial Real Estate in 2026

Roughly $875 billion in commercial real estate loans mature in 2026 — about 17% of all outstanding commercial mortgage debt — with rates 150-250 basis points above origination. A practical guide for owner-occupiers and tenants, covering the financing gap, DSCR targets of 1.20x-1.35x, SBA 504/7(a) options, and a nine-month refinancing timeline.

mike

real-estatesmall-businessbusiness-loans

July 26, 2026

How the Fed's Rate Path Actually Hits Your Business Loan: A 2026 Prime Rate Guide

The prime rate — not the federal funds rate — drives variable business loan payments. It sits at 6.75% in mid-2026, with SBA 7(a) loans priced at Prime + 2.25%–3.0%. Here's the payment math on a quarter-point cut (about $37/month on a $250,000 loan) and how to plan around the Fed's uncertain rate path.

mike

business-loanssba-loansinterest

July 26, 2026

The SBA Just Doubled Its Loan Ceiling to $10 Million: How the New 7(a) + 504 Rules Work

As of July 4, 2026, the SBA decoupled its 7(a) and 504 loan caps, letting qualified borrowers combine up to $5 million from each program — $10 million in total SBA-backed financing. Here's who benefits, how the two programs differ, and the structuring mistakes to avoid.

mike

sbasba-loansbusiness-loans

July 23, 2026

SBA's 2026 Citizenship Rule: What Non-Citizen Business Owners Can Do Now

As of March 1, 2026, SBA 7(a), 504, Microloan, and Surety Bond programs require 100% U.S. citizen or national ownership (with a 5% carve-out), ending green card holder eligibility. Here's who is affected and the financing alternatives — conventional loans, CDFIs, ITIN lending, and revenue-based funding.

mike

sbasba-loansimmigration

Start Free→Documentation