✅ ELIGIBILITY CHECKER
Are You SBA-Ready?
Find Out in 2 Minutes
Answer 8 questions about your business. Get a readiness score, see which SBA programs fit you, and know exactly what to fix before applying.
8 Questions
Readiness Score
Gap Analysis
Loan Match
📌 The 5 Core SBA Eligibility Factors
Lenders assess: (1) Credit — 640+ personal FICO. (2) Time in business — 2+ years preferred, though microloans allow less. (3) Revenue — enough to service the debt (debt coverage ratio ≥ 1.25). (4) Business size — must meet SBA's size standards for your industry. (5) Purpose — loan must be for an approved use (not speculation, multi-level marketing, or lending). Our checker scores you on all five.
SBA Loan Eligibility Assessment
Free · No account required · Takes 2 minutes
Still Have Questions?
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This tool is for informational purposes only. SBA eligibility depends on many factors including SIC code, affiliation rules, lender-specific overlays, and current program availability. Use this as a starting point — consult with an SBA-approved lender or SBDC advisor before applying.