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How to Become a Microloan Intermediary

SBA’s Microloan Program provides small businesses with small short-term loans for working capital or the purchase of inventory, supplies, furniture, fixtures, machinery and/or equipment. SBA makes funds available to specially designated intermediary lenders, which are nonprofit organizations with experience in lending and technical assistance. These intermediaries then make loans to eligible borrowers in amounts up to a maximum of $50,000. The average loan size is about $13,000. Applications are submitted to the local intermediary and all credit decisions are made on the local level.

  • Additional Resources for Existing Microloan Intermediaries
    Staff from the Microenterprise Development Branch provided a two-day training to existing Microloan Intermediaries in Louisville, Kentucky on April 16-17, 2012.  The materials presented at the training conference are included...
  • How to Become a Microloan Intermediary (Webinar)
    Microloan Intermediary Webinar 05/09/11
  • Microloan Program Factsheet
    Microloan Program Factsheet
  • Terms & Conditions for Intermediaries
    An intermediary may not borrow more than $750,000 in the first year of participation in the program. In later years, the intermediary's obligation to SBA may not exceed an aggregate of $5 million, subject to statutory limitations...
  • Terms & Conditions for Microloans to Borrowers
    An intermediary may make micro-loans to any small business eligible to receive financial assistance, including a borrower establishing a nonprofit childcare business. Proceeds from micro-loans may be used only for working capital and...
  • Technical Assistance Funds
    An intermediary may be eligible to receive grant funding from SBA to provide micro-loan borrowers with marketing, management, and technical assistance.  Up to 25 percent of the grant funds may be used to provide information and...
  • Apply to Become a Microloan Intermediary
    Organizations interested in becoming intermediaries should contact their SBA District Office and review the regulations published in the Code of Federal Regulations (CFR), specifically sections 13 CFR 120.700-120.716. To be eligible...

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