The U.S. Small Business Administration (SBA) announced a new rule that doubles the cumulative borrowing limit for its two flagship small-business loan programs—7(a) and 504—allowing eligible borrowers to access up to $10 million in total SBA-backed financing. The change is effective July 4, 2026 and increases the combined cap from the previous $5 million level.
Under the updated structure, qualified borrowers who obtain a 7(a) loan first may access up to $5 million in 7(a) financing and up to $5 million through the 504 program, for a combined $10 million total. The SBA notes the policy is designed to help capital-intensive businesses better pair long-term financing for real estate and equipment (often supported by 504 loans) with working capital and expansion funding (a common use of 7(a) loans).
For TCIV readers, this is a meaningful growth lever: expanded SBA capacity may support facility buildouts, clinic acquisitions, renovations, IT/equipment upgrades, and working-capital needs—especially for scalable behavioral health and addiction services businesses looking to strengthen unit economics without dilutive equity.
Read More: https://www.sba.gov/article/2026/05/18/sba-doubles-cumulative-7a-504-loan-limit-10-million