What you can get
Loans up to $50,000 for approved business needs, with repayment.
Who it's for
Small businesses and certain nonprofit child-care centers served by an approved lender.
What you need to know
- Find an approved lender that serves your business location.
- Funds cannot buy real estate or pay off existing debt.
- All owners must be U.S. citizens or U.S. nationals living in the U.S. or its territories.
- The lender sets credit requirements and may require security or a personal guarantee.
More details and sources
Full program information
Official program name: SBA Microloan Program
Benefits and limits
Loans up to $50,000 through approved nonprofit intermediary lenders.
Full requirements
Small businesses and certain nonprofit childcare centers may qualify. The intermediary sets credit requirements, which can include collateral and a personal guarantee. For loans beginning April 1, 2026, all owners must be U.S. citizens or U.S. nationals with their principal residence in the U.S., its territories or possessions. The intermediary verifies direct and indirect ownership, including eligible U.S.-formed entity owners.
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
Eligible uses include working capital, inventory, supplies, furniture and equipment. Funds cannot buy real estate or repay existing debt. Apply to an approved intermediary rather than directly to SBA.
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.