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SBA Expands Flexibility for Small Business Financing - BLP - Business Lending Partners

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SBA Expands Flexibility for Small Business Financing

The U.S. Small Business Administration (SBA) has issued a policy update, effective July 4, 2026, that gives small businesses more flexibility when using SBA 7(a) and 504 loan programs together.

Under the update, existing SBA 7(a) loans generally will no longer reduce a borrower’s available SBA 504 financing. The SBA also clarified that businesses may finance multiple 504 projects at the same time, subject to program limits.

What This Means for Business

These changes could help businesses access more SBA-backed financing to support growth and expansion. For example, a company may be able to use a 7(a) loan for working capital, inventory, or equipment and still qualify for a separate 504 loan for real estate or other fixed-asset investments.

The update also provides added flexibility for manufacturers and businesses managing multiple expansion projects. Separate 504 loans may now be used for different eligible projects, such as a new facility and major equipment purchases, allowing businesses to structure financing in a way that best fits their needs.

Overall, the changes are intended to help small businesses leverage SBA financing programs more effectively while supporting investment, expansion, and job creation.

Questions about SBA 504 financing? Contact Grace Kieckbusch or Daniel Toll at BLP to explore your options and see if the program is a good fit for your business.

CONTACT BLP FOR YOUR BUSINESS LENDING NEEDS

Grace Kieckbusch

Vice President & Loan Officer

Grace Kieckbusch is a commercial lender who loves finding financing solutions that help small businesses thrive. A Magna Cum Laude graduate of UW–Parkside, she began her career at BLP after interning with the team during college.

Green Bay Office920.384.0385 Grace@blp504.org

Daniel Toll

Credit Analyst

Dan Toll is Vice President and Credit Officer at Business Lending Partners with more than 30 years of commercial lending experience, including time with the SBA reviewing 504 loan applications. He joined BLP in 2025 and holds degrees from Princeton University and Northwestern University.

Green Bay Office440.206.6046 Daniel@blp504.org