SBA now requires 100% US Citizenship or National ownership. Green Card holders and non-citizens are NO LONGER ELIGIBLE for any SBA loan program.
Know Your SBA Loan Potential
The SBA 7(a) loan program offers some of the most favorable rates available to small businesses. But are you eligible? Our 5-point assessment gives you an instant snapshot of your SBA loan readiness.
5-Point Assessment
Quick evaluation of citizenship, credit score, time in business, industry, and federal character check
Instant Results
Get immediate feedback on your eligibility status with actionable recommendations
What We Assess
Five critical dimensions determine your SBA 7(a) loan eligibility
Ownership Citizenship
NEW - March 2026: 100% US Citizenship or National ownership required.
Requirement: 100% US Citizens
Credit Score
Personal and business credit history. SBA typically prefers scores above 680.
Typical Range: 640–750
Time in Business
Most SBA lenders prefer businesses operating for at least 2 years.
Target: 2+ years
Industry Type
Most industries qualify. SBA excludes speculative businesses, gambling, and certain investment activities.
Most sectors: Eligible
Federal Character Check
SBA requires a clean federal record. Outstanding federal debt or legal issues result in automatic disqualification.
Requirement: Clean Record
Important Disclosure
This tool provides educational estimates only and does not constitute financial advice or a guarantee of SBA loan eligibility. Actual eligibility depends on your specific circumstances, lender requirements, and current SBA guidelines.