John Miller

Deputy Associate Administrator

Office of Capital Access

John Miller serves as Deputy Associate Administrator for the Office of Capital Access (OCA) and is the highest-ranking career official in that office. Reporting to the Associate Administrator for OCA, Katie Frost, John leads the policy, technology, operations and oversight for SBA’s Capital Access lending and surety programs, including the flagship 7(a) Business Loan Guaranty Program, the 504 Certified Development Company Loan Program, the Microloan Program, and the Surety Bond Guaranty Program. John is also responsible for the SBA’s pandemic capital access programs: the $800 billion Paycheck Protection Program (PPP), the $400 billion COVID EIDL Loan Program and the Restaurant Revitalization Fund.  His responsibilities also include managing the SBA’s $500 billion portfolio of direct and guaranteed loans, which at its height in 2021 exceeded $1.2 trillion.

In July 2022, John’s portfolio expanded to include SBA disaster lending, including the policy, technology, operations and oversight for the Physical Home and Business Disaster Loan, Economic Injury Disaster Loan (EIDL), and the Military Reservist EIDL programs. The SBA disaster loan program is the Agency’s only direct loan program and only program not limited to small businesses. These low-interest disaster loans provide timely and affordable assistance to homeowners, renters, businesses, and nonprofits recovering from a declared disaster event. OCA administers all aspects of the disaster lending program from loan origination, closing and disbursement to servicing. In addition to the lending program, John also oversees the full-service human resources and administrative offices that provide critical support to SBA’s disaster assistance mission. The disaster human resources team is responsible for surge staffing of all disaster lending and emergency field response teams, and recruiting, benefits and employee relations for disaster employees. The disaster administrative services team provides full travel and logistics services year-round in support of thousands of SBA disaster employees. SBA coordinates with the Federal Emergency Management Agency (FEMA), and other federal partners, to ensure a whole-of-government response to disasters.

Previously, Miller served as the director of national operations for SBA’s business loan programs and was responsible for the SBA's loan operations centers and loan portfolio management. He joined the SBA in 1999 in the Seattle District Office. Prior to that, Miller served at the Federal Deposit Insurance Corp. for eight years as a financial analyst in Irvine, California and San Antonio, Texas.