{"id":2070,"date":"2026-07-11T05:17:12","date_gmt":"2026-07-10T19:17:12","guid":{"rendered":"https:\/\/jddaddy.com\/how-to-get-a-small-business-loan-through-the-sba-2026-beginners-guide\/"},"modified":"2026-07-11T05:41:57","modified_gmt":"2026-07-10T19:41:57","slug":"how-to-get-a-small-business-loan-through-the-sba-2026-beginners-guide","status":"publish","type":"post","link":"https:\/\/jddaddy.com\/en\/how-to-get-a-small-business-loan-through-the-sba-2026-beginners-guide\/","title":{"rendered":"How to Get a Small Business Loan Through the SBA (2026 Beginner&#039;s Guide)"},"content":{"rendered":"<div class=\"post-article\" style=\"max-width:820px;margin:0 auto;\">\n<div style=\"background:linear-gradient(135deg,#0B3D63 0%,#0F5680 38%,#1FA39B 82%,#3FC7BC 100%);border-radius:20px;padding:48px 32px;text-align:center;margin-bottom:34px;box-shadow:0 12px 35px rgba(0,0,0,0.18);\">\n    <span style=\"font-size:13pt;font-weight:800;color:#fff;letter-spacing:2.5px;text-transform:uppercase;opacity:.95;display:block;margin-bottom:12px;\">Finance &amp; Economy \u2022 Banking \u2022 How-To<\/span><\/p>\n<h1 style=\"font-family:'Georgia',serif;font-size:27pt;font-weight:900;color:#fff;line-height:1.3;margin:0 0 16px;text-shadow:0 2px 10px rgba(0,0,0,.3);\">How to Get a Small Business Loan Through the SBA (2026 Beginner&#039;s Guide)<\/h1>\n<div style=\"font-size:14pt;color:#e6fbf7;font-weight:500;\">\ud83d\udcc5 July 2026 \u00b7 \u270d\ufe0f JD \u00b7 \u23f1\ufe0f 8 min read<\/div>\n<\/p><\/div>\n<figure style=\"margin:30px 0;\"><img decoding=\"async\" src=\"https:\/\/images.pexels.com\/photos\/8276191\/pexels-photo-8276191.jpeg?auto=compress&#038;cs=tinysrgb&#038;h=650&#038;w=940\" alt=\"A small business owner reviewing financial documents at the counter of their shop\" loading=\"lazy\" style=\"width:100%;border-radius:14px;display:block;\" \/><figcaption style=\"font-size:11pt;color:#8a93a5;text-align:center;margin-top:8px;\">Photo by <a href=\"https:\/\/www.pexels.com\/@pnw-prod\" rel=\"nofollow noopener\" target=\"_blank\">PNW Production<\/a> on Pexels<\/figcaption><\/figure>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">If you&#8217;ve ever searched for &#8220;free government money to start a business,&#8221; you&#8217;ve probably hit a wall of confusing (and often scammy) results. Here&#8217;s the honest truth: the U.S. government rarely hands out free cash to regular businesses \u2014 but it <em>does<\/em> run a powerful system to help you <strong>borrow money on much better terms<\/strong>. It&#8217;s called the SBA, and this guide explains exactly how it works and how to apply, in plain English.<\/p>\n<div style=\"background:#f3f7fa;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:30px 0;\">\n<div style=\"font-size:13pt;font-weight:800;letter-spacing:1px;color:#0B3D63;text-transform:uppercase;margin-bottom:12px;\">On This Page<\/div>\n<ul style=\"margin:0;padding-left:20px;font-size:15pt;line-height:1.8;color:#0B3D63;\">\n<li><a href=\"#what\" style=\"color:#0F5680;text-decoration:none;\">What is an SBA loan?<\/a><\/li>\n<li><a href=\"#grants\" style=\"color:#0F5680;text-decoration:none;\">Aren&#8217;t there free grants?<\/a><\/li>\n<li><a href=\"#types\" style=\"color:#0F5680;text-decoration:none;\">The 3 main types of SBA loans<\/a><\/li>\n<li><a href=\"#made\" style=\"color:#0F5680;text-decoration:none;\">New in 2026: Made in America boost<\/a><\/li>\n<li><a href=\"#qualify\" style=\"color:#0F5680;text-decoration:none;\">Who qualifies?<\/a><\/li>\n<li><a href=\"#apply\" style=\"color:#0F5680;text-decoration:none;\">How to apply, step by step<\/a><\/li>\n<li><a href=\"#tips\" style=\"color:#0F5680;text-decoration:none;\">Tips &amp; a scam warning<\/a><\/li>\n<li><a href=\"#faq\" style=\"color:#0F5680;text-decoration:none;\">FAQ<\/a><\/li>\n<\/ul><\/div>\n<h2 id=\"what\" style=\"font-family:'Georgia',serif;font-size:24pt;font-weight:bold;margin:1.6em 0 .9em;color:#111;border-bottom:2px solid #eee;padding-bottom:.3em;\">What Is an SBA Loan?<\/h2>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">The <strong>SBA<\/strong> is the U.S. <strong>Small Business Administration<\/strong> \u2014 a federal government agency that helps small businesses get funding.<\/p>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">Here&#8217;s the key thing most people get wrong: <strong>the SBA usually doesn&#8217;t lend you the money itself.<\/strong> Instead, you borrow from a regular bank or lender, and the SBA <strong>guarantees<\/strong> a big chunk of the loan \u2014 meaning the government promises to cover part of it if you can&#8217;t pay. (You can see the full lineup on the <a href=\"https:\/\/www.sba.gov\/funding-programs\/loans\" target=\"_blank\" rel=\"noopener\">SBA&#8217;s official loans page<\/a>.)<\/p>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">Why does that matter to you? Because when the government backs the loan, the lender takes on less risk. So they&#8217;re willing to give you:<\/p>\n<ul style=\"font-size:17pt;line-height:1.85;color:#222233;margin:26px 0;padding-left:24px;\">\n<li><strong>Lower interest rates<\/strong><\/li>\n<li><strong>Longer repayment terms<\/strong> (up to 25 years)<\/li>\n<li><strong>Smaller down payments<\/strong><\/li>\n<\/ul>\n<div style=\"background:#e7f1ff;border-left:5px solid #3d88c4;border-radius:0 12px 12px 0;padding:22px 26px;margin:30px 0;\">\n<p style=\"font-size:17pt;line-height:1.8;color:#123;margin:0;\">\ud83d\udca1 Think of it like the government <strong>co-signing<\/strong> your business loan. It&#8217;s still a loan \u2014 you pay it back \u2014 but on far friendlier terms than a typical business loan.<\/p>\n<\/p><\/div>\n<h2 id=\"grants\" style=\"font-family:'Georgia',serif;font-size:24pt;font-weight:bold;margin:1.6em 0 .9em;color:#111;border-bottom:2px solid #eee;padding-bottom:.3em;\">Wait \u2014 Aren&#8217;t There Free Government Grants?<\/h2>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">This is the single biggest myth in small business finance. For a normal for-profit business, <strong>the SBA does not give grants to start or run your company.<\/strong> It never has.<\/p>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">Real free federal grants exist, but only for narrow situations:<\/p>\n<ul style=\"font-size:17pt;line-height:1.85;color:#222233;margin:26px 0;padding-left:24px;\">\n<li><strong>Tech research and development<\/strong> (the SBIR and STTR programs)<\/li>\n<li><strong>Farms and rural businesses<\/strong> (USDA programs)<\/li>\n<li><strong>Certain manufacturing and workforce training<\/strong> projects<\/li>\n<li><strong>State and local programs<\/strong> \u2014 every U.S. state runs its own economic-development incentives, and these are less competitive than federal ones<\/li>\n<\/ul>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">For almost everyone else, the real path isn&#8217;t a grant \u2014 it&#8217;s an <strong>SBA-backed loan<\/strong>. So don&#8217;t waste weeks chasing &#8220;free money&#8221; that doesn&#8217;t exist for your situation.<\/p>\n<h2 id=\"types\" style=\"font-family:'Georgia',serif;font-size:24pt;font-weight:bold;margin:1.6em 0 .9em;color:#111;border-bottom:2px solid #eee;padding-bottom:.3em;\">The 3 Main Types of SBA Loans<\/h2>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">Most SBA lending comes down to three programs:<\/p>\n<div style=\"overflow-x:auto;margin:26px 0;\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;box-shadow:0 6px 20px rgba(0,0,0,.08);font-size:15pt;\">\n<thead>\n<tr style=\"background:linear-gradient(135deg,#0B3D63,#1FA39B);color:#fff;\">\n<th style=\"padding:16px 18px;text-align:left;\">Loan<\/th>\n<th style=\"padding:16px 18px;text-align:left;\">Best for<\/th>\n<th style=\"padding:16px 18px;text-align:left;\">Amount<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fbfc;\">\n<td style=\"padding:16px 18px;\"><strong>7(a) loan<\/strong><\/td>\n<td style=\"padding:16px 18px;\">The all-purpose option \u2014 working capital, expansion, buying a business<\/td>\n<td style=\"padding:16px 18px;\">Up to <strong>$5 million<\/strong><\/td>\n<\/tr>\n<tr style=\"background:#eef4f6;\">\n<td style=\"padding:16px 18px;\"><strong>504 loan<\/strong><\/td>\n<td style=\"padding:16px 18px;\">Big fixed assets \u2014 real estate, major equipment<\/td>\n<td style=\"padding:16px 18px;\">Long-term, fixed-rate<\/td>\n<\/tr>\n<tr style=\"background:#f8fbfc;\">\n<td style=\"padding:16px 18px;\"><strong>Microloan<\/strong><\/td>\n<td style=\"padding:16px 18px;\">Startups and small needs; easier to qualify for<\/td>\n<td style=\"padding:16px 18px;\">Up to <strong>$50,000<\/strong> (avg ~$13,000)<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">If you&#8217;re just starting out or have limited credit history, the <strong>microloan<\/strong> is usually the friendliest door in \u2014 rates typically run 8%\u201313% with terms up to 7 years, and they&#8217;re often issued through community lenders who work with newer businesses.<\/p>\n<figure style=\"margin:30px 0;\"><img decoding=\"async\" src=\"https:\/\/images.pexels.com\/photos\/10664320\/pexels-photo-10664320.jpeg?auto=compress&#038;cs=tinysrgb&#038;h=650&#038;w=940\" alt=\"Workers on a modern U.S. manufacturing line\" loading=\"lazy\" style=\"width:100%;border-radius:14px;display:block;\" \/><figcaption style=\"font-size:11pt;color:#8a93a5;text-align:center;margin-top:8px;\">Photo by <a href=\"https:\/\/www.pexels.com\/@rolledalloys-metal-supply\" rel=\"nofollow noopener\" target=\"_blank\">Rolled Alloys Specialty Metal Supplier<\/a> on Pexels<\/figcaption><\/figure>\n<h2 id=\"made\" style=\"font-family:'Georgia',serif;font-size:24pt;font-weight:bold;margin:1.6em 0 .9em;color:#111;border-bottom:2px solid #eee;padding-bottom:.3em;\">New in 2026: The &#8220;Made in America&#8221; Boost for Manufacturers<\/h2>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">If your business <em>makes<\/em> things, 2026 is a genuinely great year to borrow. The SBA rolled out a major push to strengthen U.S. manufacturing, and the perks are real:<\/p>\n<div style=\"background:#f8fafc;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:22px 0;\">\n<p style=\"font-size:17pt;line-height:1.75;color:#222233;margin:0;\"><strong>90% loan guarantee.<\/strong> The new <a href=\"https:\/\/www.sba.gov\/article\/2026\/03\/31\/sba-announces-new-made-america-loan-guarantee-restore-manufacturing-dominance\" target=\"_blank\" rel=\"noopener\">Made in America Loan Guarantee<\/a> backs up to <strong>$5 million<\/strong> with a <strong>90% federal guarantee<\/strong> \u2014 well above the standard <strong>75%<\/strong> on a regular 7(a) loan. A higher guarantee means lenders are far more willing to say yes to manufacturers.<\/p>\n<\/p><\/div>\n<div style=\"background:#f8fafc;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:22px 0;\">\n<p style=\"font-size:17pt;line-height:1.75;color:#222233;margin:0;\"><strong>Fees waived.<\/strong> For <strong>fiscal year 2026<\/strong> (October 1, 2025 through September 30, 2026), the SBA is <strong>waiving upfront fees for small manufacturers<\/strong>: 7(a) manufacturing loans up to <strong>$950,000 pay a 0% upfront fee<\/strong>, and <strong>504 manufacturing loans pay 0% upfront and 0% annual service fee.<\/strong><\/p>\n<\/p><\/div>\n<div style=\"background:#f8fafc;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:22px 0;\">\n<p style=\"font-size:17pt;line-height:1.75;color:#222233;margin:0;\"><strong>Who qualifies.<\/strong> Small manufacturers in <strong>NAICS sectors 31\u201333<\/strong> (that&#8217;s the government&#8217;s code range for manufacturing businesses). Funds can go toward upgrading or replacing equipment, modernizing your facility, and diversifying supply chains.<\/p>\n<\/p><\/div>\n<div style=\"background:#f8fafc;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:22px 0;\">\n<p style=\"font-size:17pt;line-height:1.75;color:#222233;margin:0;\"><strong>A $50 million manufacturing grant<\/strong> (the Empower to Grow program) was also opened for workforce training.<\/p>\n<\/p><\/div>\n<div style=\"display:flex;flex-wrap:wrap;gap:20px;justify-content:center;margin:34px 0;\">\n<div style=\"flex:1;min-width:200px;background:linear-gradient(135deg,#0B3D63,#1FA39B);color:#fff;border-radius:16px;padding:26px 20px;text-align:center;box-shadow:0 8px 24px rgba(0,0,0,.12);\">\n<div style=\"font-size:34pt;font-weight:900;font-family:'Georgia',serif;\">$56B<\/div>\n<div style=\"font-size:14pt;opacity:.95;\">delivered in SBA financing in 2026<\/div>\n<\/p><\/div>\n<div style=\"flex:1;min-width:200px;background:linear-gradient(135deg,#0F5680,#3FCFC0);color:#fff;border-radius:16px;padding:26px 20px;text-align:center;box-shadow:0 8px 24px rgba(0,0,0,.12);\">\n<div style=\"font-size:34pt;font-weight:900;font-family:'Georgia',serif;\">+7%<\/div>\n<div style=\"font-size:14pt;opacity:.95;\">more than the year before<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">There was extra momentum in small-dollar loans reaching minority- and women-owned businesses. Translation: there&#8217;s real money flowing, and it&#8217;s easier to access than most people assume.<\/p>\n<h2 id=\"qualify\" style=\"font-family:'Georgia',serif;font-size:24pt;font-weight:bold;margin:1.6em 0 .9em;color:#111;border-bottom:2px solid #eee;padding-bottom:.3em;\">Who Qualifies?<\/h2>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">SBA loans aren&#8217;t automatic, but the basic bar is reasonable. Generally you need to:<\/p>\n<ul style=\"font-size:17pt;line-height:1.85;color:#222233;margin:26px 0;padding-left:24px;\">\n<li>Run a <strong>for-profit<\/strong> business based in the U.S.<\/li>\n<li>Meet the SBA&#8217;s <strong>small business size standards<\/strong> (most small businesses do)<\/li>\n<li>Have <strong>reasonable credit<\/strong> and some skin in the game (your own time or money invested)<\/li>\n<li>Show you couldn&#8217;t easily get the funding elsewhere on reasonable terms<\/li>\n<\/ul>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:26px 0;\">You don&#8217;t need perfect credit \u2014 especially for microloans \u2014 but you do need to show the lender you can repay.<\/p>\n<figure style=\"margin:30px 0;\"><img decoding=\"async\" src=\"https:\/\/images.pexels.com\/photos\/8292879\/pexels-photo-8292879.jpeg?auto=compress&#038;cs=tinysrgb&#038;h=650&#038;w=940\" alt=\"A small business owner preparing a loan application\" loading=\"lazy\" style=\"width:100%;border-radius:14px;display:block;\" \/><figcaption style=\"font-size:11pt;color:#8a93a5;text-align:center;margin-top:8px;\">Photo by <a href=\"https:\/\/www.pexels.com\/@rdne\" rel=\"nofollow noopener\" target=\"_blank\">RDNE Stock project<\/a> on Pexels<\/figcaption><\/figure>\n<h2 id=\"apply\" style=\"font-family:'Georgia',serif;font-size:24pt;font-weight:bold;margin:1.6em 0 .9em;color:#111;border-bottom:2px solid #eee;padding-bottom:.3em;\">How to Apply: Step by Step<\/h2>\n<div style=\"background:#f8fafc;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:20px 0;\">\n<div style=\"font-size:13pt;font-weight:800;color:#1FA39B;letter-spacing:1px;text-transform:uppercase;margin-bottom:8px;\">Step 1<\/div>\n<p style=\"font-size:17pt;line-height:1.7;color:#222233;margin:0;\"><strong>Decide how much you need and which loan fits.<\/strong> Small need or thin credit \u2192 microloan. General business use \u2192 7(a). Buying property or big equipment \u2192 504.<\/p>\n<\/p><\/div>\n<div style=\"background:#f8fafc;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:20px 0;\">\n<div style=\"font-size:13pt;font-weight:800;color:#1FA39B;letter-spacing:1px;text-transform:uppercase;margin-bottom:8px;\">Step 2<\/div>\n<p style=\"font-size:17pt;line-height:1.7;color:#222233;margin:0;\"><strong>Get your basics in order.<\/strong> Check your personal credit score and pull together a simple business plan.<\/p>\n<\/p><\/div>\n<div style=\"background:#f8fafc;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:20px 0;\">\n<div style=\"font-size:13pt;font-weight:800;color:#1FA39B;letter-spacing:1px;text-transform:uppercase;margin-bottom:8px;\">Step 3<\/div>\n<p style=\"font-size:17pt;line-height:1.7;color:#222233;margin:0;\"><strong>Gather your documents.<\/strong> Typically: a photo ID, business formation documents, recent tax returns, and financial statements (profit-and-loss, balance sheet).<\/p>\n<\/p><\/div>\n<div style=\"background:#f8fafc;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:20px 0;\">\n<div style=\"font-size:13pt;font-weight:800;color:#1FA39B;letter-spacing:1px;text-transform:uppercase;margin-bottom:8px;\">Step 4<\/div>\n<p style=\"font-size:17pt;line-height:1.7;color:#222233;margin:0;\"><strong>Use SBA Lender Match \u2014 the official free tool.<\/strong> This is the government&#8217;s own matchmaker: you fill out a short form and it connects you with SBA-approved lenders who want your business. It&#8217;s free, and it&#8217;s the smart first step (button below).<\/p>\n<\/p><\/div>\n<div style=\"background:#f8fafc;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:20px 0;\">\n<div style=\"font-size:13pt;font-weight:800;color:#1FA39B;letter-spacing:1px;text-transform:uppercase;margin-bottom:8px;\">Step 5<\/div>\n<p style=\"font-size:17pt;line-height:1.7;color:#222233;margin:0;\"><strong>Compare offers and apply.<\/strong> You may hear back from several lenders. Compare rates and terms, then formally apply with the one you like best.<\/p>\n<\/p><\/div>\n<div style=\"background:#f8fafc;border-left:5px solid #1FA39B;border-radius:0 12px 12px 0;padding:20px 26px;margin:20px 0;\">\n<div style=\"font-size:13pt;font-weight:800;color:#1FA39B;letter-spacing:1px;text-transform:uppercase;margin-bottom:8px;\">Step 6<\/div>\n<p style=\"font-size:17pt;line-height:1.7;color:#222233;margin:0;\"><strong>Underwriting and funding.<\/strong> The lender reviews your application; approval can take a few weeks (microloans are often faster). Once approved and closed, the funds are disbursed.<\/p>\n<\/p><\/div>\n<h2 id=\"tips\" style=\"font-family:'Georgia',serif;font-size:24pt;font-weight:bold;margin:1.6em 0 .9em;color:#111;border-bottom:2px solid #eee;padding-bottom:.3em;\">Tips &amp; a Scam Warning<\/h2>\n<div style=\"background:linear-gradient(135deg,#e8f5e8,#d9f0dd);border-radius:14px;padding:24px 28px;margin:26px 0;border:1px solid #bfe3c6;\">\n<ul style=\"list-style:none;padding:0;margin:0;font-size:17pt;line-height:1.7;color:#183a22;\">\n<li style=\"margin-bottom:14px;\">\u2705 <strong>Start with a microloan or a community lender (CDFI)<\/strong> if your credit or history is thin \u2014 they&#8217;re built for newer businesses.<\/li>\n<li style=\"margin-bottom:14px;\">\u2705 <strong>Get free help.<\/strong> Your local <strong>SBDC<\/strong> (Small Business Development Center) and <strong>SCORE<\/strong> offer free, expert mentoring to prep your application.<\/li>\n<li>\u2705 <strong>Know your rights.<\/strong> Read the scam warning below before you pay anyone.<\/li>\n<\/ul><\/div>\n<div style=\"background:#fff3cd;border-left:5px solid #ffc107;border-radius:0 12px 12px 0;padding:22px 26px;margin:26px 0;\">\n<p style=\"font-size:17pt;line-height:1.75;color:#5c4a00;margin:0;\">\u26a0\ufe0f <strong>Watch for scams.<\/strong> The SBA never charges an upfront fee to &#8220;guarantee&#8221; your loan and never asks you to pay to apply. Anyone promising guaranteed approval for a fee is a red flag.<\/p>\n<div style=\"margin:26px 0;text-align:center;font-family:Arial,Helvetica,sans-serif;\">\n<style>@keyframes jddPulse{0%{transform:scale(1);box-shadow:0 6px 18px rgba(255,153,0,.45)}50%{transform:scale(1.05);box-shadow:0 12px 34px rgba(255,153,0,.85)}100%{transform:scale(1);box-shadow:0 6px 18px rgba(255,153,0,.45)}}<\/style>\n<p><a href=\"https:\/\/www.sba.gov\/funding-programs\/loans\/lender-match\" target=\"_blank\" rel=\"nofollow noopener\" style=\"display:block;width:100%;box-sizing:border-box;text-align:center;background:#FF9900;color:#111;font-size:21px;font-weight:800;padding:18px 44px;border-radius:50px;text-decoration:none;animation:jddPulse 1.5s ease-in-out infinite;\">Find Your SBA Lender \u2192<\/a><\/div>\n<\/div>\n<h2 id=\"faq\" style=\"font-family:'Georgia',serif;font-size:24pt;font-weight:bold;margin:1.6em 0 .9em;color:#111;border-bottom:2px solid #eee;padding-bottom:.3em;\">FAQ<\/h2>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:22px 0 6px;\"><strong>Does the SBA give me the money directly?<\/strong><\/p>\n<p style=\"font-size:17pt;line-height:1.8;color:#222233;margin:0 0 22px;\">Usually no \u2014 you borrow from a bank or lender, and the SBA guarantees part of it. (The main exception is disaster loans, which the SBA funds directly.)<\/p>\n<p style=\"font-size:18pt;line-height:1.85;color:#222233;margin:22px 0 6px;\"><strong>Can I get an SBA loan with bad credit?<\/strong><\/p>\n<p style=\"font-size:17pt;line-height:1.8;color:#222233;margin:0 0 22px;\">It&#8217;s harder, but not impossible. Microloans and community lenders (CDFIs) are the most<\/p>","protected":false},"excerpt":{"rendered":"<p>The US government won&#039;t hand you free cash \u2014 but it will help you borrow cheaper and easier. Here&#039;s how SBA loans work in 2026, the new Made in America boost for manufacturers, and exactly how to apply.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[40],"tags":[1725,1724,1726],"class_list":["post-2070","post","type-post","status-publish","format-standard","hentry","category-lifestyle","tag-banking","tag-how-to","tag-money-saving"],"_links":{"self":[{"href":"https:\/\/jddaddy.com\/en\/wp-json\/wp\/v2\/posts\/2070","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jddaddy.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jddaddy.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jddaddy.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jddaddy.com\/en\/wp-json\/wp\/v2\/comments?post=2070"}],"version-history":[{"count":3,"href":"https:\/\/jddaddy.com\/en\/wp-json\/wp\/v2\/posts\/2070\/revisions"}],"predecessor-version":[{"id":2079,"href":"https:\/\/jddaddy.com\/en\/wp-json\/wp\/v2\/posts\/2070\/revisions\/2079"}],"wp:attachment":[{"href":"https:\/\/jddaddy.com\/en\/wp-json\/wp\/v2\/media?parent=2070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jddaddy.com\/en\/wp-json\/wp\/v2\/categories?post=2070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jddaddy.com\/en\/wp-json\/wp\/v2\/tags?post=2070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}