# SBA loan amounts, from $5,000 to $5,000,000

**Short answer:** Loan size sets the maximum rate, the SBA guaranty and the upfront fee, and SBA Express stops at $500,000. Pick a size below for the payment at today's maximum rate, the fee, the programs that fit and the loans SBA approved near it.

Canonical page: https://www.sbaexpress.loans/loan-amounts/
Data as of: 2026-06-30

Loan size changes the rules. It sets the maximum interest rate, the SBA guaranty, the upfront fee and whether SBA Express applies. Pick a size below to see what changes.

WSJ Prime is 7.00% as of Nov 10, 2026. The payments below use the maximum rate for each size and a 10-year term.

## Maximum rate by loan size

**Maximum variable rate by loan size (13 CFR 120.214(d))**

| Loan size | Maximum variable rate | Maximum rate today |
| --- | --- | --- |
| $50,000 or less | Prime plus 6.5 percentage points | 13.50% |
| $50,001 to $250,000 | Prime plus 6.0 percentage points | 13.00% |
| $250,001 to $350,000 | Prime plus 4.5 percentage points | 11.50% |
| Over $350,000 | Prime plus 3.0 percentage points | 10.00% |

## All 32 loan sizes

**All 32 loan sizes: payment at today's maximum rate, loans SBA approved and median rate**

| Loan size | Payment, 10 years | Max rate today | Express limit | Loans since FY2024 | Median rate at approval |
| --- | --- | --- | --- | --- | --- |
| [$5,000](https://www.sbaexpress.loans/loan-amounts/5000-business-loan/) | $76 | 13.50% | Within | 502 | 11.50% |
| [$10,000](https://www.sbaexpress.loans/loan-amounts/10000-business-loan/) | $152 | 13.50% | Within | 2,518 | 11.50% |
| [$15,000](https://www.sbaexpress.loans/loan-amounts/15000-business-loan/) | $228 | 13.50% | Within | 3,560 | 13.00% |
| [$20,000](https://www.sbaexpress.loans/loan-amounts/20000-business-loan/) | $305 | 13.50% | Within | 3,699 | 11.50% |
| [$25,000](https://www.sbaexpress.loans/loan-amounts/25000-business-loan/) | $381 | 13.50% | Within | 7,718 | 11.25% |
| [$30,000](https://www.sbaexpress.loans/loan-amounts/30000-business-loan/) | $457 | 13.50% | Within | 3,183 | 11.00% |
| [$35,000](https://www.sbaexpress.loans/loan-amounts/35000-business-loan/) | $533 | 13.50% | Within | 1,777 | 10.75% |
| [$40,000](https://www.sbaexpress.loans/loan-amounts/40000-business-loan/) | $609 | 13.50% | Within | 3,206 | 10.75% |
| [$50,000](https://www.sbaexpress.loans/loan-amounts/50000-business-loan/) | $761 | 13.50% | Within | 16,026 | 11.25% |
| [$60,000](https://www.sbaexpress.loans/loan-amounts/60000-business-loan/) | $896 | 13.00% | Within | 2,960 | 10.50% |
| [$75,000](https://www.sbaexpress.loans/loan-amounts/75000-business-loan/) | $1,120 | 13.00% | Within | 5,732 | 10.50% |
| [$100,000](https://www.sbaexpress.loans/loan-amounts/100000-business-loan/) | $1,493 | 13.00% | Within | 10,965 | 10.50% |
| [$125,000](https://www.sbaexpress.loans/loan-amounts/125000-business-loan/) | $1,866 | 13.00% | Within | 4,189 | 10.50% |
| [$150,000](https://www.sbaexpress.loans/loan-amounts/150000-business-loan/) | $2,240 | 13.00% | Within | 15,922 | 11.25% |
| [$175,000](https://www.sbaexpress.loans/loan-amounts/175000-business-loan/) | $2,613 | 13.00% | Within | 2,310 | 10.00% |
| [$200,000](https://www.sbaexpress.loans/loan-amounts/200000-business-loan/) | $2,986 | 13.00% | Within | 5,946 | 10.25% |
| [$250,000](https://www.sbaexpress.loans/loan-amounts/250000-business-loan/) | $3,733 | 13.00% | Within | 9,046 | 10.25% |
| [$300,000](https://www.sbaexpress.loans/loan-amounts/300000-business-loan/) | $4,218 | 11.50% | Within | 6,014 | 10.00% |
| [$350,000](https://www.sbaexpress.loans/loan-amounts/350000-business-loan/) | $4,921 | 11.50% | Within | 7,480 | 10.00% |
| [$400,000](https://www.sbaexpress.loans/loan-amounts/400000-business-loan/) | $5,286 | 10.00% | Within | 3,615 | 10.00% |
| [$450,000](https://www.sbaexpress.loans/loan-amounts/450000-business-loan/) | $5,947 | 10.00% | Within | 3,023 | 9.75% |
| [$500,000](https://www.sbaexpress.loans/loan-amounts/500000-business-loan/) | $6,608 | 10.00% | Within | 8,423 | 10.00% |
| [$600,000](https://www.sbaexpress.loans/loan-amounts/600000-business-loan/) | $7,929 | 10.00% | Over | 4,443 | 9.50% |
| [$750,000](https://www.sbaexpress.loans/loan-amounts/750000-business-loan/) | $9,911 | 10.00% | Over | 5,835 | 9.50% |
| [$1,000,000](https://www.sbaexpress.loans/loan-amounts/1000000-business-loan/) | $13,215 | 10.00% | Over | 5,549 | 9.50% |
| [$1,250,000](https://www.sbaexpress.loans/loan-amounts/1250000-business-loan/) | $16,519 | 10.00% | Over | 3,386 | 9.25% |
| [$1,500,000](https://www.sbaexpress.loans/loan-amounts/1500000-business-loan/) | $19,823 | 10.00% | Over | 3,797 | 9.25% |
| [$2,000,000](https://www.sbaexpress.loans/loan-amounts/2000000-business-loan/) | $26,430 | 10.00% | Over | 3,341 | 9.25% |
| [$2,500,000](https://www.sbaexpress.loans/loan-amounts/2500000-business-loan/) | $33,038 | 10.00% | Over | 2,250 | 9.00% |
| [$3,000,000](https://www.sbaexpress.loans/loan-amounts/3000000-business-loan/) | $39,645 | 10.00% | Over | 2,095 | 9.00% |
| [$4,000,000](https://www.sbaexpress.loans/loan-amounts/4000000-business-loan/) | $52,860 | 10.00% | Over | 1,872 | 9.00% |
| [$5,000,000](https://www.sbaexpress.loans/loan-amounts/5000000-business-loan/) | $66,075 | 10.00% | Over | 1,973 | 9.00% |

Payments assume the maximum variable rate for the size and a fully amortizing term loan. Express limit shows whether the size is within the $500,000 SBA Express maximum. Loans are SBA approvals near each size, FY2024 to June 30, 2026. Median rates are rates at approval, not today's rates.

## Where the rules change

Each edge is inclusive at the top

- **$50,000.** The no-collateral line ends. The maximum rate is Prime plus 6.5 percentage points up to $50,000 and Prime plus 6.0 percentage points above it. Microloans stop at $50,000.
- **$150,000.** The 7(a) guaranty is 85% up to $150,000 and 75% above it. The upfront fee is 2% of the guaranteed portion up to $150,000 and 3% of the guaranteed portion above it.
- **$250,000.** The maximum rate is Prime plus 6.0 percentage points up to $250,000 and Prime plus 4.5 percentage points above it.
- **$350,000.** 7(a) Small covers loans up to $350,000. A Standard 7(a) loan is more than $350,000. Minimum debt service coverage is 1.10:1 up to $350,000 and 1.15:1 above it. The maximum rate is Prime plus 4.5 percentage points up to $350,000 and Prime plus 3.0 percentage points above it.
- **$500,000.** SBA Express stops at $500,000. A loan above it goes through standard 7(a).
- **$700,000.** The upfront fee is 3% of the guaranteed portion up to $700,000. Above it, the upfront fee is 3.5% of the guaranteed portion up to $1,000,000, plus 3.75% of the guaranteed portion over $1,000,000. The fee waiver for manufacturers, listed food supply chain businesses and rural businesses ends.
- **$5,000,000.** No 7(a) loan can be larger. The maximum is $5,000,000.

## Most common round loan amounts

Most common round loan amounts, FY2024 to June 30, 2026

- $50,000: 13,871
- $150,000: 13,723
- $100,000: 7,275
- $25,000: 6,797
- $500,000: 5,377
- $250,000: 4,826
- $350,000: 4,403
- $200,000: 3,314
- $20,000: 2,881
- $15,000: 2,843

Loans for exactly each amount. The chart covers the 32 round sizes on this page, so other exact amounts are not in it.

## Common questions

### How much can you borrow with an SBA loan?

A 7(a) loan goes up to $5,000,000. SBA Express goes up to $500,000. A 504 debenture goes up to $5,000,000, or $5,500,000 for small manufacturers. Microloans stop at $50,000.

### Does loan size change the interest rate?

Yes. SBA caps the variable rate by loan size (13 CFR 120.214(d)).

- $50,000 or less: Prime plus 6.5 percentage points.
- $50,001 to $250,000: Prime plus 6.0 percentage points.
- $250,001 to $350,000: Prime plus 4.5 percentage points.
- Over $350,000: Prime plus 3.0 percentage points.

### What is the most common SBA loan amount?

From FY2024 through June 30, 2026, the most common round amounts were $50,000 (13,871 loans), $150,000 (13,723) and $100,000 (7,275). These are loans for exactly that amount.

How to read this

Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Loan size is the gross loan amount at approval. Median rates are the rates set at approval, not today's rates. [How we build these pages](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [WSJ Prime Rate, Federal Reserve series DPRIME via FRED](https://fred.stlouisfed.org/series/DPRIME)
- [13 CFR 120.214, variable interest rates](https://www.ecfr.gov/current/title-13/section-120.214)
- [SBA Information Notice 5000-881797, FY2027 7(a) fees](https://legacy.sba.gov/document/information-notice-5000-881797-fy-2027-7a-program-fees)
- [SOP 50 10 8.1, effective October 1, 2026](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR 120.707, microloans](https://www.ecfr.gov/current/title-13/section-120.707)