Today’s post is written by Michael Green, Senior Commercial Loan Originator with Counsel Mortgage Group®, LLC. Mike provides monthly commentary on the commercial mortgage market. Be sure to check back each month for the latest updates.
Effective July 4, 2026, eligible borrowers may now access record levels of SBA financing by combining SBA 504 and SBA 7(a) loans for qualifying projects.
New Financing Limits
- Up to $5 million through the SBA 504 Program
- Up to $5.5 million for eligible manufacturing and green energy projects
- Up to $5 million through the SBA 7(a) Program
For qualifying borrowers, this significantly expands the amount of available financing.
Potential Benefits
These increased financing limits can help businesses:
- Pursue larger expansion and acquisition projects
- Finance more capital-intensive operations
- Purchase higher-value commercial real estate
- Expand location options into broader or more desirable markets
- Finance projects in rural communities
- Acquire newer equipment with advanced technology
- Include eligible soft costs and closing costs in financing
- Refinance existing eligible debt
- Complement existing SBA financing when permitted
Whether you’re purchasing commercial real estate, expanding your business, acquiring equipment, or refinancing existing debt, these enhanced SBA programs may provide financing solutions that were previously unavailable.
If you’re considering a current or future project, we’d be happy to evaluate whether an SBA 504 loan, SBA 7(a) loan, or a combination of both may be the right fit.
