Businesses
Government-funded
$5.0M
per applicant
Loan
Below-market financing
Rolling
No fixed cutoff
Rolling
Apply when you're ready
Moderate
Underwriting required
The SBA's primary loan program providing government-guaranteed financing up to $5M for small businesses for working capital, equipment, real estate, and business acquisition through participating lenders.
Do I qualify?
Answer the questions below for a rules-based self-assessment of your fit for this program. This is informational — final determinations are made by the administering agency.
1.Must meet SBA size standards (typically under 500 employees for manufacturing)
2.Business must be for-profit and operate in the U.S.
3.Guarantee: 85% on loans up to $150K; 75% on loans over $150K
4.Maximum loan: $5M; SBA Express loans up to $500K with 36-hour turnaround
5.Must demonstrate inability to obtain credit elsewhere on reasonable terms
CAEATFA · California
Full state and local sales and use tax exemption (7.25–10%) on equipment purchases for California manufacturers of solar, wind, batteries, EVs, fuel cells, and green building materials. Reduces equipment procurement costs with board pre-approval.
Utah OEO · Utah
30% state income tax credit on new employee wages for businesses creating 5+ jobs in rural Utah Economic Opportunity Zones. Meaningful incentive to locate outside Salt Lake's urban corridor, with a 5-year credit period.
GOED · Nevada
Sales tax abatements (up to 2%), property tax abatements, and Modified Business Tax credits for clean energy manufacturers locating or expanding in Nevada. Targets solar, wind, battery storage, and EV-related product manufacturers creating 10+ jobs.