If you’ve been holding back on a growth plan because you thought you’d hit a financing ceiling, it’s time for a second look. The SBA just doubled how much capital eligible borrowers can access.
What changed:
Starting July 4, 2026, qualified borrowers can combine SBA 7(a) and 504 loans for up to $5 million through each program — a combined total of $10 million in SBA-backed financing. That’s double the previous $5 million cumulative cap, and the largest financing offering in the agency’s history.
Why it matters:
For years, the $5 million combined limit meant fast-growing businesses — especially in capital-intensive industries like manufacturing, construction, logistics, and food production — often hit a wall. A single expansion might call for both a building purchase and the working capital to staff and stock it, but the combined loan cap forced businesses to choose, or scale back their plans.
This change removes that constraint. A business can now pursue up to $5 million through a 504 loan for real estate or equipment, and up to $5 million through a 7(a) loan for working capital and operating needs — at the same time, without one program limiting the other.
Who this helps most:
- Businesses planning a major real estate purchase or ground-up construction alongside a working capital need
- Manufacturers, who can already hold multiple 504 loans tied to distinct projects, and can now layer in 7(a) financing on top
- Any growing business that’s outgrown what a single SBA program could offer on its own
What to do next:
If your growth plans have felt boxed in by financing limits, this is the moment to revisit them. We can help you understand what qualifies, how a combined 504 and 7(a) structure might work for your specific project, and what the right next step looks like.
Curious what your numbers could look like under a 504 loan? Try our payment calculator, or reach out and let’s talk through your plans.
