SBA Unsecured Micro Loan

SBA Unsecured Micro Loans — small-dollar business loans backed by the U.S. Small Business Administration. Funding from $5,000 to $50,000 for startups and growing businesses.

SBA Unsecured Micro Loan

The SBA Microloan program provides small loans to help startups and growing businesses with working capital, inventory, equipment, and supplies. Loan amounts range from $5,000 to $50,000.

Program Highlights

• Loan amounts from $5,000 to $50,000
• Terms up to 6 years
• Interest rates typically 8–13%
• Use for working capital, inventory, equipment, supplies, furniture, machinery
• Available to startups and existing small businesses

What You'll Need

• Business plan or summary
• Personal and business credit reports
• Personal financial statement
• Last 2 years of tax returns (business and personal, if available)
• Owner ID and entity documents