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People also ask
What can I use an SBA loan for?
Loans guaranteed by SBA range from small to large and can be used for most business purposes, including long-term fixed assets and operating capital. Some loan programs set restrictions on how you can use the funds, so check with an SBA-approved lender when requesting a loan. Your lender can match you with the right loan for your business needs.
Is the SBA still approving EIDL loans?
By law, the SBA is not permitted to issue new EIDL advances once all program funding has been obligated. It is possible that Congress will allocate more funds to the advance program as it did in April 2020. The good news is that the SBA is still processing loan applications for EIDL loans.
Does the SBA loan run a credit check?
The SBA will run a credit check. The loan is repayable over 30 years (so the monthly payments are manageable). Any payment is deferred for a year (but interest accrues during that year). The loan is pre-payable at any time without penalty.
What are the eligibility requirements for the SBA loan program?
In general, eligibility is based on what a business does to receive its income, the character of its ownership, and where the business operates. Normally, businesses must meet SBA size standards, be able to repay, and have a sound business purpose.