{"citation":"Am I eligible for an SBA loan? Check your business type. SBA Express Loans, Janover Capital LLC (data as of November 5, 2026). https://www.sbaexpress.loans/tools/am-i-eligible/ Source: 13 CFR § 120.100, basic eligibility (https://www.ecfr.gov/current/title-13/section-120.100).","url":"https://www.sbaexpress.loans/tools/am-i-eligible/","title":"Am I eligible for an SBA loan? Check your business type","data_as_of":"2026-11-05","checked":"2026-11-09","sources":[{"label":"13 CFR § 120.100, basic eligibility","url":"https://www.ecfr.gov/current/title-13/section-120.100"},{"label":"13 CFR § 120.110, ineligible businesses","url":"https://www.ecfr.gov/current/title-13/section-120.110"},{"label":"13 CFR § 120.111, Eligible Passive Companies","url":"https://www.ecfr.gov/current/title-13/section-120.111"},{"label":"SOP 50 10 8.1, Sec. A, Ch. 1, Paras. A to G (begins p. 13)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SBA Policy Notice 5000-876441 (effective March 1, 2026)","url":"https://legacy.sba.gov/document/policy-notice-5000-876441-update-sop-50-10-8-citizenship-residency-requirements-recission-procedural-notice-5000-872050"}],"data":{"rows":[{"section":"Business type","group":"Most businesses","id":"general","situation":"An operating for-profit business not listed below (a restaurant, trade, store, clinic or manufacturer)","outcome":"Not barred","rule":"A for-profit business located in the United States that is not on the list in 13 CFR 120.110 is not barred by type.","citation":"13 CFR § 120.100; 13 CFR § 120.110; SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Types of Ineligible Businesses"},{"section":"Business type","group":"Most businesses","id":"barber","situation":"Barber shop, hair salon, nail salon or similar personal service","outcome":"Not barred","rule":"Barber shops, hair salons, nail salons and similar personal services are eligible, whether they have employees or contract with individuals.","citation":"SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Most businesses","id":"licensed","situation":"Service that needs a professional license (a med spa, for example)","outcome":"On conditions","rule":"A business that needs professional licenses is eligible if its ownership structure meets state requirements. The lender must document this in the loan file.","citation":"SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Most businesses","id":"rental_goods","situation":"Rents or leases equipment, household goods or other items","outcome":"Not barred","rule":"Businesses that lease equipment, household goods or other items are eligible. If the business is really financing purchases, the lending rules apply instead.","citation":"SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses; SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending"},{"section":"Business type","group":"Most businesses","id":"tower_op","situation":"Operates a cell tower, solar panels, a billboard or a wind turbine","outcome":"Not barred","rule":"The business that operates the cell phone tower, solar panels, billboard or wind turbine is eligible.","citation":"SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Lending, investing and insurance","id":"lender","situation":"Bank, credit union, finance company or factoring company","outcome":"Barred","rule":"SBA cannot guarantee a loan to a business primarily engaged in lending, such as a bank, finance company or factoring company.","citation":"13 CFR § 120.110(b); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending"},{"section":"Business type","group":"Lending, investing and insurance","id":"investment","situation":"Investment company, bail bond company or other business whose stock in trade is money","outcome":"Barred","rule":"SBA cannot guarantee a loan to an investment company, a bail bond company or any other business whose stock in trade is money.","citation":"13 CFR § 120.110(b); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending"},{"section":"Business type","group":"Lending, investing and insurance","id":"pawn","situation":"Pawn shop","outcome":"Depends","rule":"A pawn shop is eligible if more than 50% of prior-year revenue is from merchandise sales rather than interest on loans.","citation":"13 CFR § 120.110(b); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending"},{"section":"Business type","group":"Lending, investing and insurance","id":"credit_sales","situation":"Business that finances its own customers' purchases","outcome":"Depends","rule":"A business that finances sales in the regular course of business is eligible if less than 50% of its revenue is from that financing.","citation":"13 CFR § 120.110(b); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending"},{"section":"Business type","group":"Lending, investing and insurance","id":"mortgage","situation":"Mortgage company","outcome":"Depends","rule":"Mortgage companies that mainly service loans are eligible. A servicer that disburses loans must sell them within 14 calendar days of closing to be eligible. Companies that make loans and hold them are not.","citation":"13 CFR § 120.110(b); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending"},{"section":"Business type","group":"Lending, investing and insurance","id":"check_cashing","situation":"Check cashing business","outcome":"Depends","rule":"A check cashing business is eligible if it receives more than 50% of its revenue from the service of cashing checks.","citation":"13 CFR § 120.110(b); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending"},{"section":"Business type","group":"Lending, investing and insurance","id":"fin_advisor","situation":"Fee-based financial advisor","outcome":"On conditions","rule":"A business providing financial advice on a fee basis is eligible if it does not use loan proceeds to invest in its own portfolio.","citation":"13 CFR § 120.110(b); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending"},{"section":"Business type","group":"Lending, investing and insurance","id":"life_insurer","situation":"Life insurance company","outcome":"Barred","rule":"Life insurance carriers are not eligible.","citation":"13 CFR § 120.110(d); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Life Insurance Carriers"},{"section":"Business type","group":"Lending, investing and insurance","id":"ins_agent","situation":"Independent insurance agency","outcome":"Not barred","rule":"SBA's bar covers life insurance companies, not independent agents.","citation":"13 CFR § 120.110(d); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending"},{"section":"Business type","group":"Lending, investing and insurance","id":"packager","situation":"Loan packager or Lender Service Provider","outcome":"Depends","rule":"Loan packagers and Lender Service Providers earning more than one third of gross annual revenue from packaging SBA loans are not eligible.","citation":"13 CFR § 120.110(m); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Loan Packagers"},{"section":"Business type","group":"Nonprofit and government","id":"nonprofit","situation":"Nonprofit organization","outcome":"Barred","rule":"All applicants must be organized for profit. For-profit subsidiaries of nonprofits may be eligible.","citation":"13 CFR § 120.100(b); 13 CFR § 120.110(a); SOP 50 10 8.1, Sec. A, Ch. 1, Para. B, Organized for Profit"},{"section":"Business type","group":"Nonprofit and government","id":"forprofit_sub","situation":"For-profit subsidiary of a nonprofit","outcome":"Depends","rule":"A for-profit subsidiary of a nonprofit may be eligible. If the nonprofit owns 20% or more and cannot or will not guarantee the loan, the subsidiary is not eligible.","citation":"13 CFR § 120.110(a); SOP 50 10 8.1, Sec. A, Ch. 1, Para. B, Organized for Profit"},{"section":"Business type","group":"Nonprofit and government","id":"gov","situation":"Owned by a government or political subdivision","outcome":"Barred","rule":"Businesses owned by municipalities and other political subdivisions are not eligible.","citation":"13 CFR § 120.110(j); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Government-Owned Entities"},{"section":"Business type","group":"Nonprofit and government","id":"tribe","situation":"A Native American tribe itself","outcome":"Barred","rule":"A Native American tribe is a governmental entity and is not eligible.","citation":"13 CFR § 120.110(j); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Government-Owned Entities"},{"section":"Business type","group":"Nonprofit and government","id":"tribal_biz","situation":"Business owned in whole or in part by a Native American tribe","outcome":"On conditions","rule":"The business must be a separate legal entity. A federally recognized tribe must also waive sovereign immunity for the collateral and collection. It must accept federal courts in a sue and be sued clause.","citation":"13 CFR § 120.110(j); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Government-Owned Entities"},{"section":"Business type","group":"Real estate, rentals and passive assets","id":"landlord","situation":"Owns property and leases it to others (landlord or developer that does not use the space)","outcome":"Barred","rule":"Businesses primarily engaged in owning or purchasing real estate and leasing it for any purpose are not eligible.","citation":"13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Real estate, rentals and passive assets","id":"epc","situation":"Company that owns property and leases it to my own operating company","outcome":"On conditions","rule":"An Eligible Passive Company may hold property and lease it to an Operating Company that is itself eligible. The Operating Company must guarantee or co-borrow, each 20% owner must guarantee, and rent is limited.","citation":"13 CFR § 120.111; 13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 2, Para. A, Eligible Passive Companies"},{"section":"Business type","group":"Real estate, rentals and passive assets","id":"developer","situation":"Subdivides land into lots and develops it for resale","outcome":"Barred","rule":"Businesses primarily engaged in subdividing real property into lots and developing it for resale on their own account are not eligible.","citation":"13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Real estate, rentals and passive assets","id":"apartment","situation":"Apartment building or mobile home park","outcome":"Barred","rule":"Under SBA rules, apartment buildings and mobile home parks are not eligible.","citation":"13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Real estate, rentals and passive assets","id":"space","situation":"Shopping center, office suites, salon suites, ghost kitchen or similar space rented to independent businesses","outcome":"Depends","rule":"These models are not eligible unless revenue is membership dues, customers have no assigned space, and the business supplies upkeep and equipment. A combined model is not eligible.","citation":"13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Real estate, rentals and passive assets","id":"land_lease","situation":"Leases land for a cell tower, solar panels, a billboard or a wind turbine","outcome":"Barred","rule":"Businesses that lease land for a cell phone tower, solar panels, billboards or a wind turbine are not eligible.","citation":"13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Real estate, rentals and passive assets","id":"ev","situation":"EV charging station or other stand-alone asset run on a passive basis","outcome":"Barred","rule":"EV-charging stations and businesses structured as a stand-alone asset operated on a passive basis are not eligible.","citation":"13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Real estate, rentals and passive assets","id":"care","situation":"Nursing home, assisted living or similar residential care facility","outcome":"Depends","rule":"Licensed nursing homes, assisted living facilities and state-licensed equivalents that provide healthcare or medical services are eligible. Unlicensed residential facilities without those services are not.","citation":"13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Real estate, rentals and passive assets","id":"lodging","situation":"Hotel, motel, RV park, marina, campground or short-term rental","outcome":"Depends","rule":"These businesses are eligible if more than 50% of prior-year revenue comes from transients staying 30 days or less. The business must also comply with zoning and other laws.","citation":"13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Real estate, rentals and passive assets","id":"tier_model","situation":"Cleaning or similar service where I rely on a middle-level operator and do not own the customer contracts","outcome":"Barred","rule":"A leveled model that relies on a middle-level operator and does not own the contracts behind the business is not eligible.","citation":"13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Business type","group":"Gambling","id":"casino","situation":"Casino, racetrack, skill games or other business whose purpose is gambling","outcome":"Barred","rule":"If the purpose of the business is gambling, it is not eligible, regardless of the share of revenue from gambling.","citation":"13 CFR § 120.110(g); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Legal Gambling"},{"section":"Business type","group":"Gambling","id":"some_gambling","situation":"A business with some lottery, gaming-machine or other legal gambling income","outcome":"Depends","rule":"More than one third of prior-year gross revenue, including rental income, from legal gambling makes a business ineligible.","citation":"13 CFR § 120.110(g); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Legal Gambling"},{"section":"Business type","group":"Cannabis, hemp and CBD","id":"marijuana","situation":"Grows, produces, processes, distributes or sells marijuana products","outcome":"Barred","rule":"A business that grows, produces, processes, distributes or sells marijuana or marijuana products is ineligible, even where state law allows it.","citation":"13 CFR § 120.110(h); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Illegal Activity, Marijuana, Hemp and CBD"},{"section":"Business type","group":"Cannabis, hemp and CBD","id":"paraphernalia","situation":"Sells devices primarily intended or marketed for marijuana use","outcome":"Barred","rule":"A business selling smoking devices or other products primarily intended for marijuana use, or marketing them for that use, is ineligible.","citation":"13 CFR § 120.110(h); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Illegal Activity, Marijuana, Hemp and CBD"},{"section":"Business type","group":"Cannabis, hemp and CBD","id":"hemp","situation":"Grows, produces, processes, distributes or sells hemp products","outcome":"On conditions","rule":"A hemp business is eligible only if the hemp meets the federal definition and any state definition. The lender must obtain documentation.","citation":"13 CFR § 120.110(h); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Illegal Activity, Marijuana, Hemp and CBD"},{"section":"Business type","group":"Cannabis, hemp and CBD","id":"cbd","situation":"Makes or sells CBD products","outcome":"On conditions","rule":"CBD eligibility turns on where the CBD comes from, the product types, any health claims, and whether every product complies with law. The SOP cites FDA guidance against adding CBD to food and dietary supplements.","citation":"13 CFR § 120.110(h); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Illegal Activity, Marijuana, Hemp and CBD"},{"section":"Business type","group":"Other listed types","id":"illegal","situation":"Any activity that is illegal under federal, state or local law","outcome":"Barred","rule":"Businesses engaged in any activity that is illegal under federal, state or local law are not eligible.","citation":"13 CFR § 120.110(h); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Illegal Activity, Marijuana, Hemp and CBD"},{"section":"Business type","group":"Other listed types","id":"private_club","situation":"Private club or business that limits memberships for reasons other than capacity","outcome":"Barred","rule":"Private clubs and businesses that limit memberships for reasons other than capacity are not eligible.","citation":"13 CFR § 120.110(i); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Restricted Patronage and Discriminatory Hiring"},{"section":"Business type","group":"Other listed types","id":"one_gender","situation":"Men-only or women-only business, such as a health club","outcome":"Barred","rule":"Businesses that restrict patronage for any reason other than capacity are not eligible. A men's or women's only health club is the SOP's example.","citation":"13 CFR § 120.110(i); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Restricted Patronage and Discriminatory Hiring"},{"section":"Business type","group":"Other listed types","id":"gym_market","situation":"Fitness center that markets to one gender but admits both","outcome":"On conditions","rule":"A fitness center that markets to one gender may be eligible if it permits both men and women. The lender needs an affidavit and evidence that the facility is open to both.","citation":"13 CFR § 120.110(i); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Restricted Patronage and Discriminatory Hiring"},{"section":"Business type","group":"Other listed types","id":"hiring","situation":"Hires only one gender, or otherwise has discriminatory hiring practices","outcome":"Barred","rule":"Except as the Civil Rights Act permits, businesses with discriminatory hiring practices are not eligible.","citation":"13 CFR § 120.110(i); 13 CFR § 113.3(a); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Restricted Patronage and Discriminatory Hiring"},{"section":"Business type","group":"Other listed types","id":"pyramid","situation":"Pyramid or multilevel sales plan","outcome":"Barred","rule":"Businesses using pyramid or multilevel sales distribution plans are not eligible.","citation":"13 CFR § 120.110(f); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Pyramid Sales Plans"},{"section":"Business type","group":"Other listed types","id":"adult","situation":"Adult entertainment, or products or services of a prurient sexual nature","outcome":"Depends","rule":"A business presenting live or recorded performances of a prurient sexual nature is not eligible. Neither is one earning more than 5% of gross revenue from such products or services.","citation":"13 CFR § 120.110(p); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prurient Sexual Nature"},{"section":"Business type","group":"Other listed types","id":"political","situation":"Political or lobbying business","outcome":"Depends","rule":"An applicant that derives over 50% of gross annual revenue from political or lobbying activities is not eligible.","citation":"13 CFR § 120.110(r); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Political or Lobbying Activities"},{"section":"Business type","group":"Other listed types","id":"speculative","situation":"Oil wildcatting, trading securities or commodities, mining gold or silver outside established fields, research and development, or homes built for future sale","outcome":"Barred","rule":"Speculative businesses are not eligible. Homes built with no sales contract in place can qualify only under the 7(a) Builders CAPLines program.","citation":"13 CFR § 120.110(s); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Speculation"},{"section":"Business type","group":"Other listed types","id":"nonspec","situation":"Commodity contracts to lock in a price, oil drilling in established fields, or a home built for an identified buyer","outcome":"Not barred","rule":"These activities are listed by the SOP as non-speculative businesses that may be eligible.","citation":"13 CFR § 120.110(s); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Speculation"},{"section":"Business type","group":"Other listed types","id":"foreign","situation":"Located outside the United States","outcome":"Barred","rule":"Businesses located in a foreign country are not eligible.","citation":"13 CFR § 120.100(c); 13 CFR § 120.110(e); SOP 50 10 8.1, Sec. A, Ch. 1, Para. C, Located in the United States"},{"section":"Business type","group":"Other listed types","id":"notlisted","situation":"Not listed here, or not sure","outcome":"Check the facts","rule":"This check could not match your business to a listed type. Read the full list on this page and ask a lender whether any rule applies.","citation":"13 CFR § 120.110; SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Types of Ineligible Businesses"},{"section":"Owners and history","group":"The business","id":"us.no","situation":"Is the business located in the United States or its territories or possessions? No","outcome":"Barred","rule":"Businesses located in a foreign country are not eligible.","citation":"13 CFR § 120.100(c); 13 CFR § 120.110(e); SOP 50 10 8.1, Sec. A, Ch. 1, Para. C, Located in the United States"},{"section":"Owners and history","group":"The business","id":"small.no","situation":"Is the business small under SBA size standards, counting affiliates? No","outcome":"Barred","rule":"Applicants must be small under 13 CFR Part 121, including affiliates.","citation":"13 CFR § 120.100(d); SOP 50 10 8.1, Sec. A, Ch. 1, Para. D, Small Under SBA Size Requirements"},{"section":"Owners and history","group":"Owners and key people","id":"owners.no","situation":"Are all direct and indirect owners and required guarantors U.S. citizens or U.S. nationals whose principal residence is in the United States? No","outcome":"Barred","rule":"All direct and indirect owners and required guarantors must be U.S. citizens or U.S. nationals. Their principal residence must be in the United States, its territories or possessions. An Ineligible Person must fully divest before the SBA loan number is issued. Lawful permanent residents may not own any percentage of the applicant. The look-back period is 6 months before the SBA loan number is issued.","citation":"SOP 50 10 8.1, Sec. A, Ch. 1, Para. F, Citizenship and Residency Requirements; SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate; SBA Policy Notice 5000-876441 (effective March 1, 2026)"},{"section":"Owners and history","group":"Owners and key people","id":"custody.prison","situation":"Is any owner of more than 20%, officer, director or key employee in prison, under indictment, or on parole or probation? In prison or serving a sentence","outcome":"Barred","rule":"Businesses with an Associate currently incarcerated or serving a sentence of imprisonment are not eligible.","citation":"13 CFR § 120.110(n); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Associates Incarcerated or Under Indictment; SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate"},{"section":"Owners and history","group":"Owners and key people","id":"custody.indict","situation":"Is any owner of more than 20%, officer, director or key employee in prison, under indictment, or on parole or probation? Under indictment for a felony or a crime of financial misconduct or false statement","outcome":"Barred","rule":"Businesses with an Associate under indictment for a felony or a crime involving financial misconduct or a false statement are not eligible.","citation":"13 CFR § 120.110(n); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Associates Incarcerated or Under Indictment; SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate"},{"section":"Owners and history","group":"Owners and key people","id":"custody.parole","situation":"Is any owner of more than 20%, officer, director or key employee in prison, under indictment, or on parole or probation? On parole or probation","outcome":"On conditions","rule":"A business owned by someone on parole or probation may be eligible. If the business depends mainly on that person, the lender needs a continuity plan and may require another guaranty.","citation":"13 CFR § 120.110(n); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Associates Incarcerated or Under Indictment; SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate"},{"section":"Owners and history","group":"Federal debt and past SBA loans","id":"prior_loss.unpaid","situation":"Has the business, an owner, or another business they owned or controlled defaulted on a federal loan and caused the government a loss? Yes, and it has not been fully satisfied","outcome":"Barred","rule":"An applicant with a prior loss to the federal government is not eligible for a 7(a) or 504 loan unless SBA grants a waiver.","citation":"13 CFR § 120.110(q); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prior Loss to the Government"},{"section":"Owners and history","group":"Federal debt and past SBA loans","id":"prior_loss.satisfied","situation":"Has the business, an owner, or another business they owned or controlled defaulted on a federal loan and caused the government a loss? Yes, and it has been fully satisfied","outcome":"On conditions","rule":"If a prior loss is fully satisfied, the application can be processed. The lender must document how it was satisfied.","citation":"13 CFR § 120.110(q); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prior Loss to the Government"},{"section":"Owners and history","group":"Federal debt and past SBA loans","id":"delinquent.yes","situation":"Does the business or any guarantor owe a non-tax federal debt that is more than 90 days past due? Yes","outcome":"Barred","rule":"An applicant is not eligible if the applicant or any guarantor, except a Supplemental Guarantor, owes an outstanding non-tax federal debt in delinquent status.","citation":"31 CFR § 285.13; SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Delinquent Federal Debt"},{"section":"Owners and history","group":"Federal debt and past SBA loans","id":"delinquent.cured","situation":"Does the business or any guarantor owe a non-tax federal debt that is more than 90 days past due? Past due, but covered by a compromise, cure, repayment agreement, bankruptcy or appeal","outcome":"On conditions","rule":"A debt is not delinquent if it was compromised or cured, or if it is in bankruptcy with any plan current. The same holds under a satisfactory written repayment agreement paid as agreed, or during an appeal. A loss still triggers the prior-loss rule.","citation":"31 CFR § 285.13; SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Delinquent Federal Debt"},{"section":"Owners and history","group":"Federal debt and past SBA loans","id":"sba_current.no","situation":"If the business has an existing SBA 7(a) or 504 loan, is it current? No, it is not current","outcome":"Barred","rule":"A business is ineligible if its existing 7(a) or 504 loan is not current when the new SBA loan number is issued. Current means no required payment has remained unpaid more than 29 days.","citation":"SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Existing 7(a) or 504 Loan Not Current"},{"section":"Owners and history","group":"The business","id":"franchise.notlisted","situation":"Is this a franchise or a brand license? Yes, and the brand is not on the Directory","outcome":"Barred","rule":"A brand that meets the FTC definition of a franchise must be on the SBA Franchise Directory to obtain SBA financing.","citation":"SOP 50 10 8.1, Sec. A, Ch. 1, Para. G.5 (Para. G begins p. 30); SOP 50 10 8.1, Sec. A, Ch. 1, Para. G, Franchises"},{"section":"Owners and history","group":"The business","id":"mgmt.sole","situation":"Does a management company run the business? Yes, and the manager has sole discretion over operations","outcome":"Barred","rule":"Businesses that give a management company sole discretion over operations are ineligible passive businesses.","citation":"13 CFR § 120.110(c); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses"},{"section":"Owners and history","group":"The business","id":"lender_equity.yes","situation":"Does the SBA lender, or an associate of the lender, own part of the business? Yes","outcome":"Barred","rule":"Businesses in which an SBA lender or any of its Associates owns an equity interest are not eligible. The exception is an Associate that is an SBIC.","citation":"13 CFR § 120.110(o); SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Lender Equity Interests; 13 CFR § 120.104"},{"section":"Owners and history","group":"The business","id":"lender_equity.sbic","situation":"Does the SBA lender, or an associate of the lender, own part of the business? The lender is an SBLC and an associated SBIC financed the business","outcome":"Barred","rule":"A Small Business Lending Company may not lend to an applicant financed by an SBIC that is its Associate.","citation":"13 CFR § 120.476; SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Types of Ineligible Businesses"},{"section":"Owners and history","group":"The business","id":"cbrs.yes","situation":"Is the business located in the Coastal Barrier Resource System? Yes","outcome":"Barred","rule":"SBA may not make or guarantee a loan within the Coastal Barrier Resource System.","citation":"13 CFR § 120.175; SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Coastal Barrier Resource System"}],"rules":{"id":"am-i-eligible","path":"/tools/am-i-eligible/","questions":[{"id":"type","label":"Which best describes the business?","req":true,"opts":[{"v":"general","l":"An operating for-profit business not listed below (a restaurant, trade, store, clinic or manufacturer)","s":"ok","t":"Based on your answers, this appears to clear this rule. A for-profit business located in the United States that is not on the list in 13 CFR 120.110 is not barred by type.","c":[["13 CFR § 120.100","https://www.ecfr.gov/current/title-13/section-120.100"],["13 CFR § 120.110","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Types of Ineligible Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"barber","l":"Barber shop, hair salon, nail salon or similar personal service","s":"ok","t":"Based on your answers, this appears to clear this rule. Barber shops, hair salons, nail salons and similar personal services are eligible, whether they have employees or contract with individuals.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"licensed","l":"Service that needs a professional license (a med spa, for example)","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. A business that needs professional licenses is eligible if its ownership structure meets state requirements. The lender must document this in the loan file.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Med spas and licensed practices","/answers/can-a-med-spa-or-licensed-practice-get-an-sba-loan/"]]},{"v":"rental_goods","l":"Rents or leases equipment, household goods or other items","s":"ok","t":"Based on your answers, this appears to clear this rule. Businesses that lease equipment, household goods or other items are eligible. If the business is really financing purchases, the lending rules apply instead.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"tower_op","l":"Operates a cell tower, solar panels, a billboard or a wind turbine","s":"ok","t":"Based on your answers, this appears to clear this rule. The business that operates the cell phone tower, solar panels, billboard or wind turbine is eligible.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"lender","l":"Bank, credit union, finance company or factoring company","s":"stop","t":"Based on your answers, this appears to make the business ineligible. SBA cannot guarantee a loan to a business primarily engaged in lending, such as a bank, finance company or factoring company.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Banks, finance and factoring companies","/answers/can-a-bank-finance-or-factoring-company-get-an-sba-loan/"]]},{"v":"investment","l":"Investment company, bail bond company or other business whose stock in trade is money","s":"stop","t":"Based on your answers, this appears to make the business ineligible. SBA cannot guarantee a loan to an investment company, a bail bond company or any other business whose stock in trade is money.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"pawn","l":"Pawn shop"},{"v":"credit_sales","l":"Business that finances its own customers' purchases"},{"v":"mortgage","l":"Mortgage company"},{"v":"check_cashing","l":"Check cashing business"},{"v":"fin_advisor","l":"Fee-based financial advisor","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. A business providing financial advice on a fee basis is eligible if it does not use loan proceeds to invest in its own portfolio.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"life_insurer","l":"Life insurance company","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Life insurance carriers are not eligible.","c":[["13 CFR § 120.110(d)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Life Insurance Carriers","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ins_agent","l":"Independent insurance agency","s":"ok","t":"Based on your answers, this appears to clear this rule. SBA's bar covers life insurance companies, not independent agents.","c":[["13 CFR § 120.110(d)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"packager","l":"Loan packager or Lender Service Provider"},{"v":"nonprofit","l":"Nonprofit organization","s":"stop","t":"Based on your answers, this appears to make the business ineligible. All applicants must be organized for profit. For-profit subsidiaries of nonprofits may be eligible.","c":[["13 CFR § 120.100(b)","https://www.ecfr.gov/current/title-13/section-120.100"],["13 CFR § 120.110(a)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. B, Organized for Profit","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Nonprofits and SBA loans","/answers/can-a-nonprofit-get-an-sba-loan/"]]},{"v":"forprofit_sub","l":"For-profit subsidiary of a nonprofit"},{"v":"gov","l":"Owned by a government or political subdivision","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses owned by municipalities and other political subdivisions are not eligible.","c":[["13 CFR § 120.110(j)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Government-Owned Entities","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"tribe","l":"A Native American tribe itself","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A Native American tribe is a governmental entity and is not eligible.","c":[["13 CFR § 120.110(j)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Government-Owned Entities","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"tribal_biz","l":"Business owned in whole or in part by a Native American tribe","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. The business must be a separate legal entity. A federally recognized tribe must also waive sovereign immunity for the collateral and collection. It must accept federal courts in a sue and be sued clause.","c":[["13 CFR § 120.110(j)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Government-Owned Entities","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"landlord","l":"Owns property and leases it to others (landlord or developer that does not use the space)","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses primarily engaged in owning or purchasing real estate and leasing it for any purpose are not eligible.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Landlords and investors","/answers/can-a-landlord-or-real-estate-investor-get-an-sba-loan/"],["Eligible Passive Companies","/answers/what-is-an-eligible-passive-company/"]]},{"v":"epc","l":"Company that owns property and leases it to my own operating company","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. An Eligible Passive Company may hold property and lease it to an Operating Company that is itself eligible. The Operating Company must guarantee or co-borrow, each 20% owner must guarantee, and rent is limited.","c":[["13 CFR § 120.111","https://www.ecfr.gov/current/title-13/section-120.111"],["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 2, Para. A, Eligible Passive Companies","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Eligible Passive Companies","/answers/what-is-an-eligible-passive-company/"]]},{"v":"developer","l":"Subdivides land into lots and develops it for resale","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses primarily engaged in subdividing real property into lots and developing it for resale on their own account are not eligible.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"apartment","l":"Apartment building or mobile home park","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Under SBA rules, apartment buildings and mobile home parks are not eligible.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Apartments and mobile home parks","/answers/can-apartment-buildings-or-mobile-home-parks-get-sba-loans/"]]},{"v":"space","l":"Shopping center, office suites, salon suites, ghost kitchen or similar space rented to independent businesses"},{"v":"land_lease","l":"Leases land for a cell tower, solar panels, a billboard or a wind turbine","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses that lease land for a cell phone tower, solar panels, billboards or a wind turbine are not eligible.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Cell tower, solar and EV charging firms","/answers/can-cell-tower-solar-or-ev-charging-firms-get-sba-loans/"]]},{"v":"ev","l":"EV charging station or other stand-alone asset run on a passive basis","s":"stop","t":"Based on your answers, this appears to make the business ineligible. EV-charging stations and businesses structured as a stand-alone asset operated on a passive basis are not eligible.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Cell tower, solar and EV charging firms","/answers/can-cell-tower-solar-or-ev-charging-firms-get-sba-loans/"]]},{"v":"care","l":"Nursing home, assisted living or similar residential care facility"},{"v":"lodging","l":"Hotel, motel, RV park, marina, campground or short-term rental"},{"v":"tier_model","l":"Cleaning or similar service where I rely on a middle-level operator and do not own the customer contracts","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A leveled model that relies on a middle-level operator and does not own the contracts behind the business is not eligible.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"casino","l":"Casino, racetrack, skill games or other business whose purpose is gambling","s":"stop","t":"Based on your answers, this appears to make the business ineligible. If the purpose of the business is gambling, it is not eligible, regardless of the share of revenue from gambling.","c":[["13 CFR § 120.110(g)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Legal Gambling","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Businesses with gambling revenue","/answers/can-a-business-with-gambling-revenue-get-an-sba-loan/"]]},{"v":"some_gambling","l":"A business with some lottery, gaming-machine or other legal gambling income"},{"v":"marijuana","l":"Grows, produces, processes, distributes or sells marijuana products","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A business that grows, produces, processes, distributes or sells marijuana or marijuana products is ineligible, even where state law allows it.","c":[["13 CFR § 120.110(h)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Illegal Activity, Marijuana, Hemp and CBD","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Marijuana businesses","/answers/can-a-marijuana-business-get-an-sba-loan/"]]},{"v":"paraphernalia","l":"Sells devices primarily intended or marketed for marijuana use","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A business selling smoking devices or other products primarily intended for marijuana use, or marketing them for that use, is ineligible.","c":[["13 CFR § 120.110(h)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Illegal Activity, Marijuana, Hemp and CBD","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Marijuana businesses","/answers/can-a-marijuana-business-get-an-sba-loan/"]]},{"v":"hemp","l":"Grows, produces, processes, distributes or sells hemp products","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. A hemp business is eligible only if the hemp meets the federal definition and any state definition. The lender must obtain documentation.","c":[["13 CFR § 120.110(h)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Illegal Activity, Marijuana, Hemp and CBD","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Hemp and CBD businesses","/answers/can-a-hemp-or-cbd-business-get-an-sba-loan/"]]},{"v":"cbd","l":"Makes or sells CBD products","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. CBD eligibility turns on where the CBD comes from, the product types, any health claims, and whether every product complies with law. The SOP cites FDA guidance against adding CBD to food and dietary supplements.","c":[["13 CFR § 120.110(h)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Illegal Activity, Marijuana, Hemp and CBD","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Hemp and CBD businesses","/answers/can-a-hemp-or-cbd-business-get-an-sba-loan/"]]},{"v":"illegal","l":"Any activity that is illegal under federal, state or local law","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses engaged in any activity that is illegal under federal, state or local law are not eligible.","c":[["13 CFR § 120.110(h)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Illegal Activity, Marijuana, Hemp and CBD","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"private_club","l":"Private club or business that limits memberships for reasons other than capacity","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Private clubs and businesses that limit memberships for reasons other than capacity are not eligible.","c":[["13 CFR § 120.110(i)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Restricted Patronage and Discriminatory Hiring","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Private clubs and single-gender gyms","/answers/can-a-private-club-or-single-gender-gym-get-an-sba-loan/"]]},{"v":"one_gender","l":"Men-only or women-only business, such as a health club","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses that restrict patronage for any reason other than capacity are not eligible. A men's or women's only health club is the SOP's example.","c":[["13 CFR § 120.110(i)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Restricted Patronage and Discriminatory Hiring","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Private clubs and single-gender gyms","/answers/can-a-private-club-or-single-gender-gym-get-an-sba-loan/"]]},{"v":"gym_market","l":"Fitness center that markets to one gender but admits both","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. A fitness center that markets to one gender may be eligible if it permits both men and women. The lender needs an affidavit and evidence that the facility is open to both.","c":[["13 CFR § 120.110(i)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Restricted Patronage and Discriminatory Hiring","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"hiring","l":"Hires only one gender, or otherwise has discriminatory hiring practices","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Except as the Civil Rights Act permits, businesses with discriminatory hiring practices are not eligible.","c":[["13 CFR § 120.110(i)","https://www.ecfr.gov/current/title-13/section-120.110"],["13 CFR § 113.3(a)","https://www.ecfr.gov/current/title-13/section-113.3"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Restricted Patronage and Discriminatory Hiring","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"pyramid","l":"Pyramid or multilevel sales plan","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses using pyramid or multilevel sales distribution plans are not eligible.","c":[["13 CFR § 120.110(f)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Pyramid Sales Plans","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Multilevel marketing","/answers/can-a-multilevel-marketing-business-get-an-sba-loan/"]]},{"v":"adult","l":"Adult entertainment, or products or services of a prurient sexual nature"},{"v":"political","l":"Political or lobbying business"},{"v":"speculative","l":"Oil wildcatting, trading securities or commodities, mining gold or silver outside established fields, research and development, or homes built for future sale","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Speculative businesses are not eligible. Homes built with no sales contract in place can qualify only under the 7(a) Builders CAPLines program.","c":[["13 CFR § 120.110(s)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Speculation","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Speculative businesses","/answers/what-does-sba-consider-a-speculative-business/"]]},{"v":"nonspec","l":"Commodity contracts to lock in a price, oil drilling in established fields, or a home built for an identified buyer","s":"ok","t":"Based on your answers, this appears to clear this rule. These activities are listed by the SOP as non-speculative businesses that may be eligible.","c":[["13 CFR § 120.110(s)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Speculation","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"foreign","l":"Located outside the United States","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses located in a foreign country are not eligible.","c":[["13 CFR § 120.100(c)","https://www.ecfr.gov/current/title-13/section-120.100"],["13 CFR § 120.110(e)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. C, Located in the United States","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["U.S. companies with foreign operations","/answers/can-a-us-company-with-foreign-operations-get-an-sba-loan/"]]},{"v":"notlisted","l":"Not listed here, or not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. This check could not match your business to a listed type. Read the full list on this page and ask a lender whether any rule applies.","c":[["13 CFR § 120.110","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Types of Ineligible Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"pawn_rev","label":"Did more than 50% of last year's revenue come from merchandise sales rather than loan interest?","req":true,"when":{"type":["pawn"]},"opts":[{"v":"yes","l":"Yes","s":"ok","t":"Based on your answers, this appears to clear this rule. A pawn shop is eligible if more than 50% of prior-year revenue is from merchandise sales.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Pawn shops and check cashing","/answers/can-a-pawn-shop-or-check-cashing-business-get-an-sba-loan/"]]},{"v":"no","l":"No","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A pawn shop needs more than 50% of prior-year revenue from merchandise sales rather than interest on loans.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Pawn shops and check cashing","/answers/can-a-pawn-shop-or-check-cashing-business-get-an-sba-loan/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. A pawn shop needs more than 50% of prior-year revenue from merchandise sales.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Pawn shops and check cashing","/answers/can-a-pawn-shop-or-check-cashing-business-get-an-sba-loan/"]]}]},{"id":"finance_rev","label":"Is less than 50% of your revenue from financing those sales?","req":true,"when":{"type":["credit_sales"]},"opts":[{"v":"yes","l":"Yes, less than 50%","s":"ok","t":"Based on your answers, this appears to clear this rule. A business that finances its credit sales is eligible if less than 50% of its revenue is from that financing.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"no","l":"No, 50% or more","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A business that finances its credit sales needs less than 50% of its revenue from that financing.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. A business that finances its credit sales needs less than 50% of its revenue from that financing.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"mortgage_kind","label":"What does the mortgage company mainly do?","req":true,"when":{"type":["mortgage"]},"opts":[{"v":"service","l":"Services loans","s":"ok","t":"Based on your answers, this appears to clear this rule. Mortgage companies primarily engaged in servicing loans are eligible.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Insurance, advisory and mortgage firms","/answers/can-insurance-advisory-or-mortgage-firms-get-sba-loans/"]]},{"v":"sell","l":"Sells its loans within 14 calendar days of closing","s":"ok","t":"Based on your answers, this appears to clear this rule. A mortgage servicing company must sell the loans it disburses within 14 calendar days of closing to be eligible.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Insurance, advisory and mortgage firms","/answers/can-insurance-advisory-or-mortgage-firms-get-sba-loans/"]]},{"v":"hold","l":"Makes loans and holds them in its own portfolio","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Mortgage companies that make loans and hold them in their portfolio are not eligible.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Insurance, advisory and mortgage firms","/answers/can-insurance-advisory-or-mortgage-firms-get-sba-loans/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. Whether a mortgage company can qualify turns on whether it services, sells or holds its loans.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Insurance, advisory and mortgage firms","/answers/can-insurance-advisory-or-mortgage-firms-get-sba-loans/"]]}]},{"id":"check_rev","label":"Does more than 50% of your revenue come from the service of cashing checks?","req":true,"when":{"type":["check_cashing"]},"opts":[{"v":"yes","l":"Yes","s":"ok","t":"Based on your answers, this appears to clear this rule. A check cashing business is eligible if more than 50% of its revenue is from cashing checks.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Pawn shops and check cashing","/answers/can-a-pawn-shop-or-check-cashing-business-get-an-sba-loan/"]]},{"v":"no","l":"No","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A check cashing business needs more than 50% of its revenue from the service of cashing checks.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Pawn shops and check cashing","/answers/can-a-pawn-shop-or-check-cashing-business-get-an-sba-loan/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. A check cashing business needs more than 50% of its revenue from cashing checks.","c":[["13 CFR § 120.110(b)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Businesses Engaged in Lending","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Pawn shops and check cashing","/answers/can-a-pawn-shop-or-check-cashing-business-get-an-sba-loan/"]]}]},{"id":"packager_rev","label":"Does more than one third of your gross annual revenue come from packaging SBA loans?","req":true,"when":{"type":["packager"]},"opts":[{"v":"yes","l":"Yes","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Loan packagers earning more than one third of gross annual revenue from packaging SBA loans are not eligible.","c":[["13 CFR § 120.110(m)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Loan Packagers","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"no","l":"No","s":"ok","t":"Based on your answers, this appears to clear this rule. The bar applies above one third of gross annual revenue from packaging SBA loans.","c":[["13 CFR § 120.110(m)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Loan Packagers","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. The bar applies above one third of gross annual revenue from packaging SBA loans.","c":[["13 CFR § 120.110(m)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Loan Packagers","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"sub_guaranty","label":"If the nonprofit parent owns 20% or more, will it guarantee the loan?","req":true,"when":{"type":["forprofit_sub"]},"opts":[{"v":"under","l":"It owns less than 20%","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. The nonprofit's receipts or employees count toward size, and proceeds must be used only for the for-profit business.","c":[["13 CFR § 120.110(a)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. B, Organized for Profit","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"yes","l":"It owns 20% or more and will guarantee","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. The nonprofit's receipts or employees count toward size, and proceeds must be used only for the for-profit business.","c":[["13 CFR § 120.110(a)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. B, Organized for Profit","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"no","l":"It owns 20% or more and will not guarantee","s":"stop","t":"Based on your answers, this appears to make the business ineligible. If the nonprofit owns 20% or more and cannot or will not guarantee the loan, the for-profit business is not eligible.","c":[["13 CFR § 120.110(a)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. B, Organized for Profit","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. A nonprofit owner of 20% or more must guarantee the loan.","c":[["13 CFR § 120.110(a)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. B, Organized for Profit","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"space_model","label":"How does the business earn its revenue?","req":true,"when":{"type":["space"]},"opts":[{"v":"dues","l":"Membership dues only, no assigned space, and I supply upkeep and equipment","s":"ok","t":"Based on your answers, this appears to clear this rule. This model is eligible only when revenue is membership dues, customers have no assigned space, and the business supplies upkeep and equipment.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Salon suites, coworking and ghost kitchens","/answers/can-salon-suites-coworking-or-ghost-kitchens-get-sba-loans/"]]},{"v":"rent","l":"Rent, assigned space, or a mix of rent and dues","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A business earning rent or giving customers assigned space is not eligible, and neither is a combined model.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Salon suites, coworking and ghost kitchens","/answers/can-salon-suites-coworking-or-ghost-kitchens-get-sba-loans/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. Eligibility turns on membership dues, no assigned space, and the business supplying upkeep and equipment.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Salon suites, coworking and ghost kitchens","/answers/can-salon-suites-coworking-or-ghost-kitchens-get-sba-loans/"]]}]},{"id":"care_license","label":"Is it licensed as a nursing home, assisted living facility or state equivalent, and does it provide healthcare or medical services?","req":true,"when":{"type":["care"]},"opts":[{"v":"yes","l":"Yes, both","s":"ok","t":"Based on your answers, this appears to clear this rule. Licensed facilities that provide healthcare or medical services are eligible.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Nursing homes and assisted living","/answers/can-a-nursing-home-or-assisted-living-facility-get-an-sba-loan/"]]},{"v":"no","l":"No","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Residential facilities that are not licensed and do not provide healthcare or medical services are not eligible.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Nursing homes and assisted living","/answers/can-a-nursing-home-or-assisted-living-facility-get-an-sba-loan/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. Eligibility turns on the license and on healthcare or medical services.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Nursing homes and assisted living","/answers/can-a-nursing-home-or-assisted-living-facility-get-an-sba-loan/"]]}]},{"id":"lodging_transient","label":"Did more than 50% of last year's revenue come from guests staying 30 days or less? A start-up uses its projections.","req":true,"when":{"type":["lodging"]},"opts":[{"v":"yes","l":"Yes","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. More than 50% of revenue must come from transients staying 30 days or less. The business must also comply with zoning and other laws.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Hotels, campgrounds and short-term rentals","/answers/can-a-hotel-campground-or-short-term-rental-get-an-sba-loan/"]]},{"v":"no","l":"No","s":"stop","t":"Based on your answers, this appears to make the business ineligible. These businesses need more than 50% of revenue from transients staying 30 days or less.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Hotels, campgrounds and short-term rentals","/answers/can-a-hotel-campground-or-short-term-rental-get-an-sba-loan/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. These businesses need more than 50% of revenue from transients staying 30 days or less.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Hotels, campgrounds and short-term rentals","/answers/can-a-hotel-campground-or-short-term-rental-get-an-sba-loan/"]]}]},{"id":"gambling_share","label":"Did more than one third of last year's gross revenue, including rental income, come from legal gambling?","req":true,"when":{"type":["some_gambling"]},"opts":[{"v":"yes","l":"Yes","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A business obtaining more than one third of annual gross revenue from legal gambling is not eligible.","c":[["13 CFR § 120.110(g)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Legal Gambling","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Businesses with gambling revenue","/answers/can-a-business-with-gambling-revenue-get-an-sba-loan/"]]},{"v":"no","l":"No, one third or less","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. One third or less is allowed for state lottery commissions under a state license. The same holds for gambling licensed and supervised by a state authority.","c":[["13 CFR § 120.110(g)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Legal Gambling","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Businesses with gambling revenue","/answers/can-a-business-with-gambling-revenue-get-an-sba-loan/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. The limit is one third of annual gross revenue, including rental income.","c":[["13 CFR § 120.110(g)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Legal Gambling","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Businesses with gambling revenue","/answers/can-a-business-with-gambling-revenue-get-an-sba-loan/"]]}]},{"id":"adult_kind","label":"Which describes the business?","req":true,"when":{"type":["adult"]},"opts":[{"v":"perform","l":"It presents live or recorded performances of this kind","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A business presenting live or recorded performances of a prurient sexual nature is not eligible.","c":[["13 CFR § 120.110(p)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prurient Sexual Nature","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"over5","l":"More than 5% of gross revenue comes from such products or services","s":"stop","t":"Based on your answers, this appears to make the business ineligible. SBA treats 5% of gross revenue as the de minimis threshold.","c":[["13 CFR § 120.110(p)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prurient Sexual Nature","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"under5","l":"5% or less of gross revenue comes from such products or services","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. SBA treats 5% of gross revenue as the de minimis threshold. The lender must still consider the nature and extent of the sexual component.","c":[["13 CFR § 120.110(p)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prurient Sexual Nature","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. SBA treats 5% of gross revenue as the de minimis threshold.","c":[["13 CFR § 120.110(p)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prurient Sexual Nature","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"political_share","label":"Did more than 50% of gross annual revenue come from political or lobbying activities?","req":true,"when":{"type":["political"]},"opts":[{"v":"yes","l":"Yes","s":"stop","t":"Based on your answers, this appears to make the business ineligible. An applicant deriving over 50% of gross annual revenue from political or lobbying activities is not eligible.","c":[["13 CFR § 120.110(r)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Political or Lobbying Activities","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"no","l":"No","s":"ok","t":"Based on your answers, this appears to clear this rule. The bar applies to businesses primarily engaged in political or lobbying activities.","c":[["13 CFR § 120.110(r)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Political or Lobbying Activities","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. The bar applies above 50% of gross annual revenue.","c":[["13 CFR § 120.110(r)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Political or Lobbying Activities","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"us","label":"Is the business located in the United States or its territories or possessions?","req":true,"opts":[{"v":"yes","l":"Yes","s":"ok","t":"Based on your answers, this appears to clear this rule. The applicant must be located in the United States, including its territories and possessions.","c":[["13 CFR § 120.100(c)","https://www.ecfr.gov/current/title-13/section-120.100"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. C, Located in the United States","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"no","l":"No","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses located in a foreign country are not eligible.","c":[["13 CFR § 120.100(c)","https://www.ecfr.gov/current/title-13/section-120.100"],["13 CFR § 120.110(e)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. C, Located in the United States","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. The applicant must be located in the United States, including its territories and possessions.","c":[["13 CFR § 120.100(c)","https://www.ecfr.gov/current/title-13/section-120.100"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. C, Located in the United States","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"small","label":"Is the business small under SBA size standards, counting affiliates?","req":true,"opts":[{"v":"yes","l":"Yes","s":"ok","t":"Based on your answers, this appears to clear this rule. You told us the business meets the size requirements in 13 CFR Part 121.","c":[["13 CFR § 120.100(d)","https://www.ecfr.gov/current/title-13/section-120.100"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. D, Small Under SBA Size Requirements","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"no","l":"No","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Applicants must be small under 13 CFR Part 121, including affiliates.","c":[["13 CFR § 120.100(d)","https://www.ecfr.gov/current/title-13/section-120.100"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. D, Small Under SBA Size Requirements","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Am I small?","/tools/am-i-small/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. Applicants must be small under 13 CFR Part 121, including affiliates.","c":[["13 CFR § 120.100(d)","https://www.ecfr.gov/current/title-13/section-120.100"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. D, Small Under SBA Size Requirements","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Am I small?","/tools/am-i-small/"]]}]},{"id":"owners","label":"Are all direct and indirect owners and required guarantors U.S. citizens or U.S. nationals whose principal residence is in the United States?","req":true,"opts":[{"v":"yes","l":"Yes","s":"ok","t":"Based on your answers, this appears to clear this rule. All direct and indirect owners and required guarantors must be U.S. citizens or U.S. nationals. Their principal residence must be in the United States, its territories or possessions.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. F, Citizenship and Residency Requirements","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SBA Policy Notice 5000-876441 (effective March 1, 2026)","https://legacy.sba.gov/document/policy-notice-5000-876441-update-sop-50-10-8-citizenship-residency-requirements-recission-procedural-notice-5000-872050"]]},{"v":"no","l":"No","s":"stop","t":"Based on your answers, this appears to make the business ineligible. All direct and indirect owners and required guarantors must be U.S. citizens or U.S. nationals. Their principal residence must be in the United States, its territories or possessions. An Ineligible Person must fully divest before the SBA loan number is issued. Lawful permanent residents may not own any percentage of the applicant. The look-back period is 6 months before the SBA loan number is issued.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. F, Citizenship and Residency Requirements","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SBA Policy Notice 5000-876441 (effective March 1, 2026)","https://legacy.sba.gov/document/policy-notice-5000-876441-update-sop-50-10-8-citizenship-residency-requirements-recission-procedural-notice-5000-872050"]],"n":[["Can an ineligible owner sell out first?","/answers/can-an-ineligible-owner-sell-out-before-an-sba-loan/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. All direct and indirect owners and required guarantors must be U.S. citizens or U.S. nationals. Their principal residence must be in the United States, its territories or possessions.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. F, Citizenship and Residency Requirements","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SBA Policy Notice 5000-876441 (effective March 1, 2026)","https://legacy.sba.gov/document/policy-notice-5000-876441-update-sop-50-10-8-citizenship-residency-requirements-recission-procedural-notice-5000-872050"]]}]},{"id":"custody","label":"Is any owner of more than 20%, officer, director or key employee in prison, under indictment, or on parole or probation?","req":true,"opts":[{"v":"no","l":"No","s":"ok","t":"Based on your answers, this appears to clear this rule. The bar covers Associates currently incarcerated or under indictment for a felony or a crime involving financial misconduct or a false statement.","c":[["13 CFR § 120.110(n)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Associates Incarcerated or Under Indictment","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"prison","l":"In prison or serving a sentence","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses with an Associate currently incarcerated or serving a sentence of imprisonment are not eligible.","c":[["13 CFR § 120.110(n)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Associates Incarcerated or Under Indictment","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["SBA loans and a criminal record","/answers/can-you-get-an-sba-loan-with-a-criminal-record/"]]},{"v":"indict","l":"Under indictment for a felony or a crime of financial misconduct or false statement","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses with an Associate under indictment for a felony or a crime involving financial misconduct or a false statement are not eligible.","c":[["13 CFR § 120.110(n)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Associates Incarcerated or Under Indictment","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["SBA loans and a criminal record","/answers/can-you-get-an-sba-loan-with-a-criminal-record/"]]},{"v":"parole","l":"On parole or probation","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. A business owned by someone on parole or probation may be eligible. If the business depends mainly on that person, the lender needs a continuity plan and may require another guaranty.","c":[["13 CFR § 120.110(n)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Associates Incarcerated or Under Indictment","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Probation and parole","/answers/can-someone-on-probation-or-parole-get-an-sba-loan/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. The bar covers Associates currently incarcerated or under indictment.","c":[["13 CFR § 120.110(n)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Associates Incarcerated or Under Indictment","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, App. 3, Definitions, Ineligible Person and Associate","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Who counts as an Associate","/answers/who-counts-as-an-associate-of-a-small-business/"]]}]},{"id":"prior_loss","label":"Has the business, an owner, or another business they owned or controlled defaulted on a federal loan and caused the government a loss?","req":true,"opts":[{"v":"no","l":"No","s":"ok","t":"Based on your answers, this appears to clear this rule. A prior loss to the federal government bars a 7(a) or 504 loan unless it is fully satisfied or waived.","c":[["13 CFR § 120.110(q)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prior Loss to the Government","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"unpaid","l":"Yes, and it has not been fully satisfied","s":"stop","t":"Based on your answers, this appears to make the business ineligible. An applicant with a prior loss to the federal government is not eligible for a 7(a) or 504 loan unless SBA grants a waiver.","c":[["13 CFR § 120.110(q)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prior Loss to the Government","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Defaults on federal loans","/answers/can-you-get-an-sba-loan-after-defaulting-on-a-federal-loan/"]]},{"v":"satisfied","l":"Yes, and it has been fully satisfied","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. If a prior loss is fully satisfied, the application can be processed. The lender must document how it was satisfied.","c":[["13 CFR § 120.110(q)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prior Loss to the Government","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. SBA lenders must check CAIVRS for a prior loss on the applicant and its Associates.","c":[["13 CFR § 120.110(q)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Prior Loss to the Government","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"delinquent","label":"Does the business or any guarantor owe a non-tax federal debt that is more than 90 days past due?","req":true,"opts":[{"v":"no","l":"No","s":"ok","t":"Based on your answers, this appears to clear this rule. Delinquent non-tax federal debt bars a 7(a) or 504 loan.","c":[["31 CFR § 285.13","https://www.ecfr.gov/current/title-31/section-285.13"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Delinquent Federal Debt","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"yes","l":"Yes","s":"stop","t":"Based on your answers, this appears to make the business ineligible. An applicant is not eligible if the applicant or any guarantor, except a Supplemental Guarantor, owes an outstanding non-tax federal debt in delinquent status.","c":[["31 CFR § 285.13","https://www.ecfr.gov/current/title-31/section-285.13"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Delinquent Federal Debt","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Delinquent student loans","/answers/can-you-get-an-sba-loan-with-delinquent-student-loans/"]]},{"v":"cured","l":"Past due, but covered by a compromise, cure, repayment agreement, bankruptcy or appeal","s":"cond","t":"Based on your answers, this appears to be allowed only on conditions. A debt is not delinquent if it was compromised or cured, or if it is in bankruptcy with any plan current. The same holds under a satisfactory written repayment agreement paid as agreed, or during an appeal. A loss still triggers the prior-loss rule.","c":[["31 CFR § 285.13","https://www.ecfr.gov/current/title-31/section-285.13"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Delinquent Federal Debt","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. A debt is delinquent when it has not been paid within 90 days of the payment due date.","c":[["31 CFR § 285.13","https://www.ecfr.gov/current/title-31/section-285.13"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Delinquent Federal Debt","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"sba_current","label":"If the business has an existing SBA 7(a) or 504 loan, is it current?","req":true,"opts":[{"v":"none","l":"No existing SBA loan","s":"ok","t":"Based on your answers, this appears to clear this rule. This rule applies only to a business with an existing 7(a) or 504 loan.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Existing 7(a) or 504 Loan Not Current","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"yes","l":"Yes, it is current","s":"ok","t":"Based on your answers, this appears to clear this rule. An existing 7(a) or 504 loan must be current when the new SBA loan number is issued.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Existing 7(a) or 504 Loan Not Current","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"no","l":"No, it is not current","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A business is ineligible if its existing 7(a) or 504 loan is not current when the new SBA loan number is issued. Current means no required payment has remained unpaid more than 29 days.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Existing 7(a) or 504 Loan Not Current","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["An existing SBA loan past due","/answers/can-you-get-a-new-sba-loan-if-an-existing-one-is-past-due/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. An existing 7(a) or 504 loan must be current when the new SBA loan number is issued.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Existing 7(a) or 504 Loan Not Current","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"franchise","label":"Is this a franchise or a brand license?","req":true,"opts":[{"v":"no","l":"No","s":"ok","t":"Based on your answers, this appears to clear this rule. The franchise rule applies only to agreements that meet the FTC definition of a franchise.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. G.5 (Para. G begins p. 30)","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. G, Franchises","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"listed","l":"Yes, and the brand is on the SBA Franchise Directory","s":"ok","t":"Based on your answers, this appears to clear this rule. A brand that meets the FTC definition of a franchise must be on the SBA Franchise Directory to obtain SBA financing.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. G.5 (Para. G begins p. 30)","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. G, Franchises","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"notlisted","l":"Yes, and the brand is not on the Directory","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A brand that meets the FTC definition of a franchise must be on the SBA Franchise Directory to obtain SBA financing.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. G.5 (Para. G begins p. 30)","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. G, Franchises","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["A brand not on the Directory","/answers/what-if-your-franchise-brand-is-not-on-the-sba-directory/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. A brand that meets the FTC definition of a franchise must be on the SBA Franchise Directory to obtain SBA financing.","c":[["SOP 50 10 8.1, Sec. A, Ch. 1, Para. G.5 (Para. G begins p. 30)","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. G, Franchises","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["The SBA Franchise Directory","/answers/does-a-franchise-need-to-be-on-the-sba-franchise-directory/"]]}]},{"id":"mgmt","label":"Does a management company run the business?","req":false,"opts":[{"v":"no","l":"No","s":"ok","t":"Based on your answers, this appears to clear this rule. The passive business rule reaches management agreements that give a third party sole discretion.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"oversight","l":"Yes, but the owner approves the budget and large spending, controls the bank accounts and oversees employees","s":"ok","t":"Based on your answers, this appears to clear this rule. A management agreement does not make a business passive when the applicant keeps meaningful oversight.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Management agreements","/answers/does-a-management-agreement-make-a-business-ineligible/"]]},{"v":"sole","l":"Yes, and the manager has sole discretion over operations","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses that give a management company sole discretion over operations are ineligible passive businesses.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]],"n":[["Management agreements","/answers/does-a-management-agreement-make-a-business-ineligible/"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. Lenders must review management agreements unless they are part of the disclosure documents for a Directory brand.","c":[["13 CFR § 120.110(c)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Passive Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]},{"id":"lender_equity","label":"Does the SBA lender, or an associate of the lender, own part of the business?","req":false,"opts":[{"v":"no","l":"No","s":"ok","t":"Based on your answers, this appears to clear this rule. The bar covers equity interests held by the SBA lender or its Associates.","c":[["13 CFR § 120.110(o)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Lender Equity Interests","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 § 120.104","https://www.ecfr.gov/current/title-13/section-120.104"]]},{"v":"yes","l":"Yes","s":"stop","t":"Based on your answers, this appears to make the business ineligible. Businesses in which an SBA lender or any of its Associates owns an equity interest are not eligible. The exception is an Associate that is an SBIC.","c":[["13 CFR § 120.110(o)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Lender Equity Interests","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 § 120.104","https://www.ecfr.gov/current/title-13/section-120.104"]]},{"v":"sbic","l":"The lender is an SBLC and an associated SBIC financed the business","s":"stop","t":"Based on your answers, this appears to make the business ineligible. A Small Business Lending Company may not lend to an applicant financed by an SBIC that is its Associate.","c":[["13 CFR § 120.476","https://www.ecfr.gov/current/title-13/section-120.476"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Types of Ineligible Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. The bar covers equity interests held by the SBA lender or its Associates.","c":[["13 CFR § 120.110(o)","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Lender Equity Interests","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 § 120.104","https://www.ecfr.gov/current/title-13/section-120.104"]]}]},{"id":"cbrs","label":"Is the business located in the Coastal Barrier Resource System?","req":false,"opts":[{"v":"no","l":"No","s":"ok","t":"Based on your answers, this appears to clear this rule. SBA may not make or guarantee a loan within the Coastal Barrier Resource System.","c":[["13 CFR § 120.175","https://www.ecfr.gov/current/title-13/section-120.175"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Coastal Barrier Resource System","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"yes","l":"Yes","s":"stop","t":"Based on your answers, this appears to make the business ineligible. SBA may not make or guarantee a loan within the Coastal Barrier Resource System.","c":[["13 CFR § 120.175","https://www.ecfr.gov/current/title-13/section-120.175"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Coastal Barrier Resource System","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},{"v":"ns","l":"Not sure","s":"ask","t":"Based on your answers, this appears to turn on a fact you are not sure about. SBA may not make or guarantee a loan within the Coastal Barrier Resource System.","c":[["13 CFR § 120.175","https://www.ecfr.gov/current/title-13/section-120.175"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Coastal Barrier Resource System","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]}]}],"verdicts":{"empty":{"h":"Your result","p":"Choose the closest business type to see where your answers appear to land."},"stop":{"h":"Based on your answers, this business appears to be ineligible for an SBA loan.","p":"The rules behind that are below, with what could change them.","c":[["13 CFR § 120.110","https://www.ecfr.gov/current/title-13/section-120.110"],["SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Types of Ineligible Businesses","https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"]]},"cond":{"h":"Based on your answers, this business appears to be eligible only if the conditions below are met.","p":"Each condition is the lender's to confirm.","c":[["13 CFR § 120.100","https://www.ecfr.gov/current/title-13/section-120.100"],["13 CFR § 120.110","https://www.ecfr.gov/current/title-13/section-120.110"]]},"ask":{"h":"Based on your answers, the result appears to turn on facts you are not sure about.","p":"Confirm the items below, then check again.","c":[["13 CFR § 120.110","https://www.ecfr.gov/current/title-13/section-120.110"]]},"incomplete":{"h":"Based on your answers so far, nothing appears to bar this business.","p":"{n} still blank above, so this is not a full check yet.","c":[["13 CFR § 120.110","https://www.ecfr.gov/current/title-13/section-120.110"]]},"ok":{"h":"Based on your answers, this business appears not to fall in any ineligible category we checked.","p":"A lender still decides eligibility and credit.","c":[["13 CFR § 120.100","https://www.ecfr.gov/current/title-13/section-120.100"],["13 CFR § 120.110","https://www.ecfr.gov/current/title-13/section-120.110"]]}},"limits":"This reads your answers against SBA's written rules. It does not check credit not available elsewhere, repayment ability or use of proceeds, and it is not a lending decision or legal advice. A lender makes the decision.","mcp":"check_eligibility","mcp_desc":"Screens a business against SBA's list of ineligible types in 13 CFR 120.110 and SOP 50 10 8.1. Returns where the answers appear to land, the rule for each finding, and a link to share the result. Not a lending decision."}}}