SBA 7(a) Micro Program

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     ​At United Capital America LLC, we facilitate streamlined submissions for SBA 7(a) Micro Loans—designed for businesses seeking smaller-scale capital solutions without compromising on the robust underwriting and long-term benefits of the broader SBA 7(a) program. From preparing your lender-ready file to driving the submission process with our network of SBA-approved lenders, we position your business to access strategic funding with confidence.
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​Program Highlights

Term:
  - Up to 10 years (120 monthly payments) with no prepayment penalties

Loan Amounts: 
  - Up to $50,000.00

Rates:
  - Starting from 10.25%, structured around your credit profile and collateral positioning

Why Engage Us for Your SBA Micro Submission
Even at micro levels, SBA underwriting is stringent. Our team crafts comprehensive files aligned with SBA and lender-specific guidelines—maximizing approval odds and negotiating optimal structures. We leverage longstanding relationships with SBA lenders to facilitate faster decisions, competitive rates, and scalable growth paths. Whether you’re stabilizing operations or pursuing calculated expansion, our approach ensures your application stands up to rigorous scrutiny.

Financing Applications
Our SBA 7(a) Micro Program is an agile funding tool, commonly used to:

• Strengthen working capital and cash flow
• Purchase essential equipment or inventory
• Launch, acquire, or stabilize small businesses or franchises
• Refinance smaller debts to reduce monthly obligations and free up liquidity

​Stipulations
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  - Completed initial application form: LINK for all principals / entity members
  - Latest Personal Taxes
  - Business Taxes 2023
  - Business Taxes 2024 Or
    - Proof of extension (Extension letter)
    - Profit & Loss statement 2024
    - Balance Sheet 2024
  - Comprehensive research report 
  - Detailed business plan including projected Profit & Loss for the project (you can use this template: LINK)
  - Arquitectural plans or site renderings (if applicable)
  - Articles of Incorporation (or entity formation documents)
  - Signed Operating Agreement for all members of the entity (if applicable)
  - Proof of reserves, such as owner’s investment statements (bank, brokerage, 401k, etc.)
  - Borrower’s attorney contact information (if applicable)

Similar SBA Programs

SBA 7(a)

SBA 504

SBA EIDL

Ready to move forward?

Complete our Business Registration Form and select SBA Loan. You’ll automatically receive a follow-up form to upload the required documentation.​

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