The SBA Just Doubled the Small Business Loan Limit to $10M

The SBA just doubled its lending cap from $5 million to $10 million, and the new limit went into effect July 4th. For small business owners who have been squeezed by the old ceiling, this rewrites what is possible on real estate, equipment, and working capital in the same year.

In this video, Licensed Enrolled Agent Karlton Dennis walks through exactly how the new stacking rules work between the 7(a) and 504 loan programs, why domestic manufacturers get even more room to borrow, and the specific qualifications the government uses to decide who gets access to eight-figure funding. He also breaks down the down payment math, the 25-year repayment structure, and the dual underwriting process most business owners have never heard of.

If you own a growing company and you have been waiting for the right moment to expand into a bigger facility, buy out a competitor, or scale operations without draining your cash reserves, this is the policy shift you need to understand before you talk to a bank. Pick up a copy of "The Art of Legal Tax Avoidance" in the description to keep more of what you earn while you scale.

CHAPTERS

00:00 The SBA just doubled the borrowing limit
00:18 How the 7(a) and 504 programs work
01:33 Why stacking the two programs changes everything
02:03 Extra flexibility for domestic manufacturers
02:43 Who actually qualifies as a small business
04:00 Financial health and cash flow requirements
04:36 Ownership rules and affiliate grouping
05:15 Lower down payments on eight-figure deals
06:29 Longer repayment terms and lower rates
07:32 How to apply for high-limit financing
08:45 Corporate paperwork and underwriting package
09:22 Building your growth plan and use of proceeds
10:04 The dual underwriting and closing process
11:00 Final thoughts

#sbaloan #smallbusinessfunding #karltondennis