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✅ ELIGIBILITY CHECKER

Are You SBA-Ready?
Find Out in 2 Minutes

Answer 8 questions about your business. Get a readiness score, see which SBA programs fit you, and know exactly what to fix before applying.

8 Questions Readiness Score Gap Analysis Loan Match
Check My Eligibility → Generate Business Plan
📌 The 5 Core SBA Eligibility Factors

Lenders assess: (1) Credit — 640+ personal FICO. (2) Time in business — 2+ years preferred, though microloans allow less. (3) Revenue — enough to service the debt (debt coverage ratio ≥ 1.25). (4) Business size — must meet SBA's size standards for your industry. (5) Purpose — loan must be for an approved use (not speculation, multi-level marketing, or lending). Our checker scores you on all five.

SBA Loan Eligibility Assessment

Free · No account required · Takes 2 minutes
SBA READINESS SCORE
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    Still Have Questions?

    Our AI advisor can give you personalized guidance based on your specific situation.

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    SBA Loan Advisor AI-powered · Available 24/7
    I reviewed your eligibility results. What questions do you have? I can explain your score, suggest ways to improve it, or walk you through the best loan program for your situation.
    This tool is for informational purposes only. SBA eligibility depends on many factors including SIC code, affiliation rules, lender-specific overlays, and current program availability. Use this as a starting point — consult with an SBA-approved lender or SBDC advisor before applying.
    📋 Want the Full Requirements Breakdown?

    Read the complete SBA loan eligibility guide — credit minimums, time-in-business rules, ineligible businesses, loan type comparison, and a step-by-step application checklist.

    Read the Eligibility Guide →
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