Am I eligible for an SBA loan?

Basic SBA eligibility requires: US-based for-profit business, operating for at least 2 years, good personal credit (680+ preferred), and exhausting other financing options first.

What credit score do I need for an SBA loan?

Most SBA lenders require a minimum personal credit score of 650–680. The SBA 7(a) program has no official minimum but lenders impose their own standards.

How much can I get with an SBA loan?

SBA 7(a) loans go up to $5 million. The typical approved amount is 2–3× annual revenue for established businesses. Express loans cap at $500,000 with faster approval.

SBA Loan Eligibility Calculator 2026 — Do I Qualify?

Your Numbers

Annual business revenue

Years in business

Owner credit score range

Loan purpose

Results

Fill in your revenue, time in business, credit score range, and loan purpose to check your SBA eligibility.

Your SBA Eligibility Estimate

Approval likelihood

Based on credit, time in business, revenue

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Estimated max loan amount
SBA 7(a) max: $5M; typical range by revenue
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Est. monthly payment

10-year term at ~11.5% (current SBA rate)

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Estimated interest rate

Prime + SBA spread (varies by lender)

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This calculator is for informational purposes only. Results are estimates based on the inputs you provide. Consult a qualified financial professional before making business decisions.