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How do I obtain an ARC loan?

  • A small business should talk first to their current lender about obtaining an ARC loan.
  • ARC loans are made by commercial lenders (ARC loans are not made by the SBA itself).
  • Banks and credit unions that are not currently SBA lenders can become SBA lenders in order to make ARC loans.
  • SBA district offices can assist lenders in becoming approved SBA lenders.
Program Office: