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4 SBA Loan Programs to Help You Start, Manage and Grow
by U.S. Small Business Administration (SBA)
April 20, 2023

Securing financing is one of the most important keys (and one of the biggest obstacles) to small business success.

To help small businesses get the financing they need to strengthen and grow, the Small Business Administration (SBA) has several loan programs designed for very specific purposes.

It’s important to note that SBA does not directly provide funding to small businesses but sets the guidelines for loans, which are then made by lenders, community development organizations, microlending institutions and other partners. SBA then guarantees these loans will be repaid, mitigating the risk to lenders. This means that when businesses apply for an SBA loan, they are actually applying for a commercial loan backed by SBA and structured according to the agency’s requirements, but still handled following the lender’s credit and other criteria.

There are four main types of SBA loan programs:

For more on SBA loan programs, go to or contact your local SBA district office.

About the author
U.S. Small Business Administration (SBA)
The SBA is an independent federal agency that works to assist and protect the interests of American small businesses.
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U.S. Small Business Administration (SBA)

The U.S. Small Business Administration (SBA) provides financial, technical and management assistance to help Americans start, run and grow their businesses. SCORE is a resource partner with the SBA. The SBA administers a Congressional grant which provides SCORE with funding. SCORE volunteers work with the SBA to provide small business mentoring and training to entrepreneurs through SBA offices.

U.S. Small Business Administration (SBA)
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Washington, DC 20002

Copyright © 2024 SCORE Association,

Funded, in part, through a Cooperative Agreement with the U.S. Small Business Administration. All opinions, and/or recommendations expressed herein are those of the author(s) and do not necessarily reflect the views of the SBA.

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