SBA $10M Loan Limit 2026: What Lenders Need to Know Before July 4
Quick answer: On May 18, 2026, the SBA doubled the cumulative 7(a) and 504 loan limit from $5 million to $10 million, effective July 4, 2026. Qualified borrowers who secure a 7(a) loan first can access up to $5 million through the 7(a) program and up to $5 million through the 504 program—for a combined total of $10 million. The change is expected to increase deal sizes, and the corresponding due diligence requirements, across construction, manufacturing, energy, food production, and logistics. For SBA-active lenders, this isn’t just a headline. It’s a structural shift in the size, complexity, and due diligence requirements of the deals coming across your desk in Q3 and