The Small Business Administration doubled the combined lending ceiling for SBA 7a and 504 loans to $10 million, effective July 4, 2026. However, this change primarily benefits a small subset of borrowers who need substantial financing for fixed assets like real estate or heavy equipment, as most founders already operate below the previous cap. Developers and tech professionals should focus on alternative funding sources if their business does not fit the capital-intensive profile targeted by these loans.
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