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How do I qualify for an SBA loan?

Quick Answer

SBA loans require a for-profit U.S. small business meeting SBA size standards, owner FICO of 680+, 2+ years operating history preferred, DSCR 1.15+, 10–20% equity injection, and no recent federal loan defaults.

SBA loan qualification criteria stack.
Warren Team
Updated April 26, 2026
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The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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