Insights

Notes on SBA lending.

What the rules, rates, and program changes actually mean for the businesses borrowing under them. Researched, cited, and written for people about to sign.

SBA PolicyJune 17, 20264 min read

Up to $10 Million: The 2026 SBA Combined-Financing Rule, Explained

Starting July 4, 2026, qualified borrowers can stack a 7(a) and a 504 loan for up to $10 million in total SBA-backed financing. The individual program caps did not move. Here is what actually changed, and who it is for.

Read the breakdown