05/27/2026
π¨ The SBA just made the biggest move for small business capital in agency history.
Effective July 4, 2026, the cumulative cap on SBA-backed financing doubles from $5M to $10M. If you qualify for a 7(a) loan, you can now stack a 504 loan on top, pairing working capital with long-term financing for real estate and equipment in a single, government-backed package.
Here's why this matters for your business:
β More room to grow without overleveraging. Capital-intensive industries like construction, logistics, energy, food production, and manufacturing have been hitting the old $5M ceiling for years. That ceiling just doubled.
β You can finally separate the building from the operation. Use the 504 for your real estate and fixed assets. Use the 7(a) for inventory, hiring, equipment, and working capital. One borrower, two purposes, one combined SBA guarantee.
β Manufacturers get the biggest break. Small manufacturers can already access unlimited 504 loans (one per project) and now layer on up to $5M through the 7(a) program. Combined with waived loan fees and the 90% Made in America Guarantee, the math has never been better for U.S. producers.
β The window opens July 4. That's six weeks. Lenders will see a surge in applications the moment the rule takes effect, and businesses that are pre-qualified and packaged will close first.
Whether you're acquiring a building, expanding a facility, buying out a competitor, or scaling production, this rule changes what's possible.
We help small businesses structure 7(a) and 504 loan stacks from pre-qualification through close. If you're planning a capital project in the next 6 to 18 months, now is the time to map your strategy.
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Schedule a funding consultation with Dixon Consulting. Link in bio. Let's see what $10M could unlock for your business.
