What you can get
Loans for approved business costs, with interest and repayment.
Who it's for
For-profit U.S. small businesses that can repay an approved business loan.
What you need to know
- Meet the small-business size and business-activity rules.
- Show that the business can repay and needs the government-backed loan.
- All owners must be U.S. citizens or U.S. nationals living in the U.S. or its territories.
- The lender checks ownership, finances and the planned use of the money.
More details and sources
Full program information
Official program name: SBA 7(a) business loans
Benefits and limits
Participating-lender business financing of up to $5 million for eligible purposes.
Full requirements
An operating, for-profit U.S. small business must meet SBA size and activity rules, demonstrate repayment capacity and be unable to obtain the desired credit on reasonable terms without a government guarantee. For 7(a) and 504, the SBA notice effective March 1, 2026 requires all direct and indirect owners to be U.S. citizens or U.S. nationals with their principal residence in the United States, its territories or possessions. Have the lender verify current ownership rules.
Read the program's requirements Checked Oct 30, 2026
Summary of key conditions. Confirm the full current checklist with the provider before applying.
Other conditions
Apply through a participating lender. Eligible uses include working capital, equipment, real estate and certain ownership changes or refinancing. The maximum is a program ceiling, not an approved loan amount.
Availability and area
Confirm current provider and lender terms
The official provider describes this program. Confirm participating lenders, available support, fees and current terms before relying on financing; approval is not guaranteed.
Read the status update Checked Oct 30, 2026
The provider describes a California or nationwide program whose geographic scope includes Desert Hot Springs. Business, ownership, project and underwriting requirements still apply.
Areas listed in the source
Desert Hot Springs
Where this information comes from
U.S. Small Business Administration (SBA) official program information
Information collected Oct 30, 2026.
Reviewed against primary provider sources on October 30, 2026. Financing is repayable; a lender guarantee or reserve supports the lender rather than creating a cash grant to the borrower.
DHSed is an independent guide. The program makes the final decision about help, amounts and rules.