SBA Loan Eligibility Calculator

Determine your business eligibility for SBA loan programs and get personalized recommendations to improve your qualification.

SBA Eligibility Assessment

Complete this assessment to determine your eligibility for SBA loan programs and get personalized recommendations.

Business Information

Complete SBA Loan Eligibility Guide 2025

SBA Loan Eligibility Scoring System

Our eligibility calculator evaluates your business across 8 key criteria. Here's how each factor affects your qualification:

Credit Score (25%)

Excellent (750+): 25/25 points

Good (680-749): 20/25 points

Fair (620-679): 15/25 points

Poor (<620): 5/25 points

Time in Business (20%)

3+ years: 20/20 points

2-3 years: 15/20 points

1-2 years: 10/20 points

<1 year: 5/20 points

Annual Revenue (15%)

$1M+: 15/15 points

$500K-$1M: 12/15 points

$250K-$500K: 10/15 points

<$250K: 5/15 points

Cash Flow (15%)

Strong positive: 15/15 points

Moderate positive: 12/15 points

Break-even: 8/15 points

Negative: 3/15 points

Collateral (10%)

Real estate: 10/10 points

Equipment: 8/10 points

Inventory: 6/10 points

None: 2/10 points

Industry (10%)

Preferred: 10/10 points

Standard: 8/10 points

Restricted: 5/10 points

Ineligible: 0/10 points

Owner Investment (3%)

25%+: 3/3 points

15-25%: 2/3 points

10-15%: 1/3 points

<10%: 0/3 points

Size Standards (2%)

Qualifies: 2/2 points

Close: 1/2 points

Too large: 0/2 points

Eligibility Score Ranges

90-100 points: Excellent - Very likely to qualify

75-89 points: Good - Likely to qualify with good terms

60-74 points: Fair - May qualify with conditions

<60 points: Poor - Unlikely to qualify without improvements