SBA Loan Max May Be Going Up!

On March 6, 2025, a bipartisan bill — the Loans In Our Neighborhoods (LIONs) Act — was reintroduced in the U.S. House of Representatives by Rep. Shri Thanedar (D-MI) and Rep. Mark Alford (R-MO). If passed, it could mark one of the most significant updates to SBA lending in over a decade.

Key proposed changes:

• Increase the SBA 7(a) and 504 loan limits from $5 million to $10 million.

• Permit loans of up to $50 million for certain manufacturing-related commercial real estate projects.

• Raise the loan guarantee to 75% for loans up to $10 million, helping mitigate lender risk and improve access to capital.

The bill is designed to modernize the Small Business Act and reflect the capital needs of today’s small and midsize businesses. Sectors like hospitality, manufacturing, and commercial real estate — where costs have grown substantially — stand to benefit the most.

This proposal is still moving through Congress, but the bipartisan support and industry backing suggest it has a real path forward. If enacted, it could significantly expand SBA lending capacity and create new opportunities for both borrowers and lenders.

We’ll continue to monitor its progress closely.